Illinois State
Normal, IL · Charter 64920 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 5 branches
Q2 2026
$248.6MAssets
$197.8MLoans
$219.3MShares
$26.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in IL (rank 6 of 50).
- Widest gap: equity / assets trails 74% of credit unions under $1B in assets in IL (rank 37 of 50).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.97%
Rank 25 of 50
Net Interest Margin
4.77%
Rank 6 of 50
Efficiency Ratio
72.27%
Rank 20 of 50
Equity / Assets
10.74%
Rank 37 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.49% | 0.97% | 1.35% | Beats 50% | 25 / 50 | |
| Return on Equity | 9.02% | 3.76% | 7.55% | 10.28% | Beats 66% | 17 / 50 | |
| Net Interest Margin | 4.77% | 3.15% | 3.72% | 4.20% | Beats 88% | 6 / 50 | |
| Efficiency Ratio | 72.27% | 67.18% | 75.90% | 80.66% | Beats 62% | 20 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.14% | 0.47% | 0.87% | Beats 46% | 28 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.74% | 10.68% | 13.50% | 16.38% | Beats 26% | 37 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.74% | 10.68% | 13.50% | 16.38% | Beats 26% | 37 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 90.22% | 55.23% | 70.87% | 80.60% | 80th pctl | 10 / 50 | |
| Loans / Assets | 79.57% | 43.53% | 60.64% | 68.47% | 94th pctl | 3 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |