Normal City Employees
Normal, IL · Charter 14972 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
$4.5MAssets
$2.8MLoans
$4.0MShares
$535KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in IL (rank 7 of 50).
- Widest gap: return on assets trails 68% of credit unions under $1B in assets in IL (rank 34 of 50).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.71%
Rank 34 of 50
Net Interest Margin
3.36%
Rank 33 of 50
Efficiency Ratio
78.95%
Rank 34 of 50
Equity / Assets
11.82%
Rank 33 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.49% | 0.97% | 1.35% | Beats 32% | 34 / 50 | | |
| Return on Equity | 5.98% | 3.76% | 7.55% | 10.28% | Beats 46% | 27 / 50 | | |
| Net Interest Margin | 3.36% | 3.15% | 3.72% | 4.20% | Beats 34% | 33 / 50 | | |
| Efficiency Ratio | 78.95% | 67.18% | 75.90% | 80.66% | Beats 34% | 34 / 50 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.47% | 0.87% | Beats 100% | 7 / 50 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.82% | 10.68% | 13.50% | 16.38% | Beats 34% | 33 / 50 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.82% | 10.68% | 13.50% | 16.38% | Beats 34% | 33 / 50 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.71% | 55.23% | 70.87% | 80.60% | 48th pctl | 26 / 50 | | |
| Loans / Assets | 62.29% | 43.53% | 60.64% | 68.47% | 56th pctl | 22 / 50 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |