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Sterling, IL · Charter 60531 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$78.6MAssets
$46.6MLoans
$68.4MShares
$9.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets (rank 127 of 1681).
- Widest gap: net interest margin trails 64% of credit unions under $1B in assets (rank 1070 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.55%
Rank 226 of 1,683
Net Interest Margin
3.57%
Rank 1,070 of 1,683
Efficiency Ratio
65.77%
Rank 319 of 1,682
Equity / Assets
12.63%
Rank 887 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.35% | 0.74% | 1.18% | Beats 87% | 226 / 1,683 | |
| Return on Equity | 12.23% | 2.67% | 5.89% | 8.74% | Beats 92% | 127 / 1,681 | |
| Net Interest Margin | 3.57% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,070 / 1,683 | |
| Efficiency Ratio | 65.77% | 68.91% | 78.20% | 86.93% | Beats 81% | 319 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 423 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.63% | 10.44% | 12.89% | 16.53% | Beats 47% | 887 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.63% | 10.44% | 12.89% | 16.53% | Beats 47% | 887 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 68.23% | 52.61% | 69.38% | 83.50% | 48th pctl | 870 / 1,683 | |
| Loans / Assets | 59.36% | 44.71% | 59.18% | 70.72% | 51st pctl | 833 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |