Land of Lincoln
Decatur, IL · Charter 63716 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 15 branches
Q2 2026
$498.9MAssets
$364.6MLoans
$443.7MShares
$48.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 54% of credit unions under $1B in assets (rank 772 of 1683).
- Widest gap: equity / assets trails 82% of credit unions under $1B in assets (rank 1375 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.23%
Rank 1,364 of 1,683
Net Interest Margin
3.89%
Rank 772 of 1,683
Efficiency Ratio
88.44%
Rank 1,322 of 1,682
Equity / Assets
9.81%
Rank 1,375 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,364 / 1,683 | |
| Return on Equity | 2.35% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,302 / 1,681 | |
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 772 / 1,683 | |
| Efficiency Ratio | 88.44% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,322 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,055 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.81% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,375 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.81% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,375 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 82.18% | 52.61% | 69.38% | 83.50% | 73rd pctl | 448 / 1,683 | |
| Loans / Assets | 73.09% | 44.71% | 59.18% | 70.72% | 80th pctl | 337 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |