Siu
Carbondale, IL · Charter 60279 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$591.3MAssets
$391.4MLoans
$519.4MShares
$68.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets (rank 276 of 1681).
- Widest gap: equity / assets trails 64% of credit unions under $1B in assets (rank 1070 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.17%
Rank 431 of 1,683
Net Interest Margin
3.58%
Rank 1,056 of 1,683
Efficiency Ratio
66.39%
Rank 342 of 1,682
Equity / Assets
11.56%
Rank 1,070 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.35% | 0.74% | 1.18% | Beats 74% | 431 / 1,683 | |
| Return on Equity | 10.09% | 2.67% | 5.89% | 8.74% | Beats 84% | 276 / 1,681 | |
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,056 / 1,683 | |
| Efficiency Ratio | 66.39% | 68.91% | 78.20% | 86.93% | Beats 80% | 342 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,050 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,070 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.56% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,070 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 75.34% | 52.61% | 69.38% | 83.50% | 60th pctl | 666 / 1,683 | |
| Loans / Assets | 66.18% | 44.71% | 59.18% | 70.72% | 65th pctl | 589 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |