Clifford-Jacobs Employees
Champaign, IL · Charter 60627 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
$1.2MAssets
$729KLoans
$519KShares
$650KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets in IL (rank 1 of 50).
- Widest gap: return on equity trails 86% of credit unions under $1B in assets in IL (rank 43 of 50).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.37%
Rank 11 of 50
Net Interest Margin
5.47%
Rank 3 of 50
Efficiency Ratio
74.29%
Rank 23 of 50
Equity / Assets
55.51%
Rank 1 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.49% | 0.97% | 1.35% | Beats 78% | 11 / 50 | |
| Return on Equity | 2.46% | 3.76% | 7.55% | 10.28% | Beats 14% | 43 / 50 | |
| Net Interest Margin | 5.47% | 3.15% | 3.72% | 4.20% | Beats 94% | 3 / 50 | |
| Efficiency Ratio | 74.29% | 67.18% | 75.90% | 80.66% | Beats 56% | 23 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.14% | 0.47% | 0.87% | Beats 74% | 14 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 55.51% | 10.68% | 13.50% | 16.38% | Beats 98% | 1 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 55.51% | 10.68% | 13.50% | 16.38% | Beats 98% | 1 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 140.46% | 55.23% | 70.87% | 80.60% | 98th pctl | 1 / 50 | |
| Loans / Assets | 62.25% | 43.53% | 60.64% | 68.47% | 52nd pctl | 24 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |