Illinois Community
Sycamore, IL · Charter 61634 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 4 branches
Q3 2024
$116.1MAssets
$96.3MLoans
$101.2MShares
$13.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 59% of credit unions under $1B in assets (rank 723 of 1757).
- Widest gap: efficiency ratio trails 93% of credit unions under $1B in assets (rank 1637 of 1754).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.46%
Rank 1,622 of 1,761
Net Interest Margin
3.11%
Rank 1,258 of 1,761
Efficiency Ratio
104.14%
Rank 1,637 of 1,754
Equity / Assets
11.91%
Rank 976 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.46% | 0.26% | 0.70% | 1.22% | Beats 8% | 1,622 / 1,761 | |
| Return on Equity | -3.88% | 2.09% | 5.52% | 9.08% | Beats 7% | 1,631 / 1,761 | |
| Net Interest Margin | 3.11% | 3.03% | 3.59% | 4.25% | Beats 29% | 1,258 / 1,761 | |
| Efficiency Ratio | 104.14% | 68.95% | 77.94% | 87.14% | Beats 7% | 1,637 / 1,754 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.27% | Beats 59% | 723 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.91% | 10.05% | 12.42% | 15.87% | Beats 45% | 975 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.91% | 10.05% | 12.42% | 15.87% | Beats 45% | 976 / 1,761 | |
| Liquidity & Funding |
| Loans / Deposits | 95.10% | 56.21% | 73.13% | 85.64% | 90th pctl | 174 / 1,759 | |
| Loans / Assets | 82.91% | 47.85% | 62.48% | 73.19% | 94th pctl | 113 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |