Central Illinois
Champaign, IL · Charter 65186 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
$26.1MAssets
$11.3MLoans
$22.8MShares
$3.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 74% of credit unions under $1B in assets in IL (rank 13 of 50).
- Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets in IL (rank 44 of 50).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.25%
Rank 16 of 50
Net Interest Margin
4.20%
Rank 13 of 50
Efficiency Ratio
78.06%
Rank 30 of 50
Equity / Assets
12.26%
Rank 31 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.49% | 0.97% | 1.35% | Beats 68% | 16 / 50 | | |
| Return on Equity | 10.20% | 3.76% | 7.55% | 10.28% | Beats 72% | 14 / 50 | | |
| Net Interest Margin | 4.20% | 3.15% | 3.72% | 4.20% | Beats 74% | 13 / 50 | | |
| Efficiency Ratio | 78.06% | 67.18% | 75.90% | 80.66% | Beats 42% | 30 / 50 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.85% | 0.14% | 0.47% | 0.87% | Beats 14% | 44 / 50 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.26% | 10.68% | 13.50% | 16.38% | Beats 38% | 31 / 50 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.26% | 10.68% | 13.50% | 16.38% | Beats 38% | 31 / 50 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.50% | 55.23% | 70.87% | 80.60% | 18th pctl | 41 / 50 | | |
| Loans / Assets | 43.23% | 43.53% | 60.64% | 68.47% | 22nd pctl | 39 / 50 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |