Financial Plus
Ottawa, IL · Charter 61231 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$607.4MAssets
$395.5MLoans
$520.6MShares
$80.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets (rank 192 of 1681).
- Widest gap: equity / assets trails 46% of credit unions under $1B in assets (rank 777 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.48%
Rank 256 of 1,683
Net Interest Margin
4.05%
Rank 630 of 1,683
Efficiency Ratio
67.44%
Rank 374 of 1,682
Equity / Assets
13.24%
Rank 777 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.35% | 0.74% | 1.18% | Beats 85% | 256 / 1,683 | | |
| Return on Equity | 11.16% | 2.67% | 5.89% | 8.74% | Beats 89% | 192 / 1,681 | | |
| Net Interest Margin | 4.05% | 3.31% | 3.82% | 4.32% | Beats 63% | 630 / 1,683 | | |
| Efficiency Ratio | 67.44% | 68.91% | 78.20% | 86.93% | Beats 78% | 374 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.26% | 0.65% | 1.29% | Beats 63% | 629 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.24% | 10.44% | 12.89% | 16.53% | Beats 54% | 777 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.24% | 10.44% | 12.89% | 16.53% | Beats 54% | 777 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.98% | 52.61% | 69.38% | 83.50% | 62nd pctl | 644 / 1,683 | | |
| Loans / Assets | 65.12% | 44.71% | 59.18% | 70.72% | 63rd pctl | 629 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |