Illinois Valley
Peru, IL · Charter 62121 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$36.3MAssets
$27.8MLoans
$32.4MShares
$3.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 87% of credit unions under $1B in assets (rank 220 of 1683).
- Widest gap: return on equity trails 98% of credit unions under $1B in assets (rank 1655 of 1681).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-2.12%
Rank 1,649 of 1,683
Net Interest Margin
4.77%
Rank 220 of 1,683
Efficiency Ratio
117.44%
Rank 1,635 of 1,682
Equity / Assets
10.12%
Rank 1,320 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.12% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,649 / 1,683 | |
| Return on Equity | -20.98% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,655 / 1,681 | |
| Net Interest Margin | 4.77% | 3.31% | 3.82% | 4.32% | Beats 87% | 220 / 1,683 | |
| Efficiency Ratio | 117.44% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,635 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 506 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,320 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,320 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 85.59% | 52.61% | 69.38% | 83.50% | 79th pctl | 359 / 1,683 | |
| Loans / Assets | 76.50% | 44.71% | 59.18% | 70.72% | 86th pctl | 234 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |