Area Educational
Mattoon, IL · Charter 62500 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$33.7MAssets
$12.3MLoans
$26.8MShares
$6.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 92% of credit unions under $1B in assets (rank 129 of 1682).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1389 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.34%
Rank 325 of 1,683
Net Interest Margin
3.11%
Rank 1,389 of 1,683
Efficiency Ratio
56.13%
Rank 129 of 1,682
Equity / Assets
20.36%
Rank 212 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.35% | 0.74% | 1.18% | Beats 81% | 325 / 1,683 | |
| Return on Equity | 6.58% | 2.67% | 5.89% | 8.74% | Beats 57% | 726 / 1,681 | |
| Net Interest Margin | 3.11% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,389 / 1,683 | |
| Efficiency Ratio | 56.13% | 68.91% | 78.20% | 86.93% | Beats 92% | 129 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,069 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.36% | 10.44% | 12.89% | 16.53% | Beats 87% | 212 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.36% | 10.44% | 12.89% | 16.53% | Beats 87% | 212 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 45.67% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,394 / 1,683 | |
| Loans / Assets | 36.33% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,439 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |