Smartchoice
Spring Valley, IL · Charter 64731 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$787KAssets
$514KLoans
$548KShares
$238KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets (rank 50 of 1683).
- Widest gap: return on equity trails 82% of credit unions under $1B in assets (rank 1371 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.51%
Rank 1,128 of 1,683
Net Interest Margin
4.57%
Rank 291 of 1,683
Efficiency Ratio
84.21%
Rank 1,151 of 1,682
Equity / Assets
30.24%
Rank 50 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,128 / 1,683 | |
| Return on Equity | 1.68% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,371 / 1,681 | |
| Net Interest Margin | 4.57% | 3.31% | 3.82% | 4.32% | Beats 83% | 291 / 1,683 | |
| Efficiency Ratio | 84.21% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,151 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,113 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 30.24% | 10.44% | 12.89% | 16.53% | Beats 97% | 50 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 30.24% | 10.44% | 12.89% | 16.53% | Beats 97% | 50 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 93.80% | 52.61% | 69.38% | 83.50% | 92nd pctl | 139 / 1,683 | |
| Loans / Assets | 65.31% | 44.71% | 59.18% | 70.72% | 63rd pctl | 623 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |