Altonized Community
Alton, IL · Charter 3316 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 2 branches
Q2 2026
$53.1MAssets
$21.8MLoans
$49.0MShares
$4.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 44% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 16 of 27).
- Widest gap: equity / assets trails 85% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 23 of 27).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.36%
Rank 18 of 27
Net Interest Margin
3.19%
Rank 19 of 27
Efficiency Ratio
89.37%
Rank 21 of 27
Equity / Assets
8.74%
Rank 23 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.25% | 0.67% | 0.86% | Beats 33% | 18 / 27 | |
| Return on Equity | 4.10% | 2.16% | 5.85% | 7.25% | Beats 38% | 16 / 26 | |
| Net Interest Margin | 3.19% | 3.01% | 3.75% | 4.07% | Beats 30% | 19 / 27 | |
| Efficiency Ratio | 89.37% | 71.97% | 77.45% | 89.37% | Beats 26% | 21 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.24% | 0.77% | 1.40% | Beats 44% | 16 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.74% | 9.38% | 10.56% | 15.42% | Beats 15% | 23 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.74% | 9.38% | 10.56% | 15.42% | Beats 15% | 23 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 44.50% | 56.38% | 74.82% | 87.76% | 7th pctl | 25 / 27 | |
| Loans / Assets | 41.08% | 50.27% | 64.80% | 77.37% | 11th pctl | 24 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |