Urbana Municipal Employees
Urbana, IL · Charter 64568 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
$4.9MAssets
$3.4MLoans
$4.2MShares
$750KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets in IL (rank 4 of 50).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets in IL (rank 46 of 50).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.67%
Rank 9 of 50
Net Interest Margin
4.98%
Rank 4 of 50
Efficiency Ratio
69.23%
Rank 17 of 50
Equity / Assets
15.30%
Rank 15 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.49% | 0.97% | 1.35% | Beats 82% | 9 / 50 | |
| Return on Equity | 10.93% | 3.76% | 7.55% | 10.28% | Beats 80% | 10 / 50 | |
| Net Interest Margin | 4.98% | 3.15% | 3.72% | 4.20% | Beats 92% | 4 / 50 | |
| Efficiency Ratio | 69.23% | 67.18% | 75.90% | 80.66% | Beats 68% | 17 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.19% | 0.14% | 0.47% | 0.87% | Beats 10% | 46 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.30% | 10.68% | 13.50% | 16.38% | Beats 70% | 15 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.30% | 10.68% | 13.50% | 16.38% | Beats 70% | 15 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 81.44% | 55.23% | 70.87% | 80.60% | 76th pctl | 12 / 50 | |
| Loans / Assets | 68.98% | 43.53% | 60.64% | 68.47% | 76th pctl | 12 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |