State Employees Community
Alton, IL · Charter 65259 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 1 branch
Q2 2026
$6.7MAssets
$3.6MLoans
$5.3MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 3 of 27).
- Widest gap: efficiency ratio trails 70% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 20 of 27).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.72%
Rank 11 of 27
Net Interest Margin
5.46%
Rank 2 of 27
Efficiency Ratio
84.48%
Rank 20 of 27
Equity / Assets
20.02%
Rank 3 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.25% | 0.67% | 0.86% | Beats 59% | 11 / 27 | |
| Return on Equity | 3.59% | 2.16% | 5.85% | 7.25% | Beats 35% | 17 / 26 | |
| Net Interest Margin | 5.46% | 3.01% | 3.75% | 4.07% | Beats 93% | 2 / 27 | |
| Efficiency Ratio | 84.48% | 71.97% | 77.45% | 89.37% | Beats 30% | 20 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.77% | 1.40% | Beats 100% | 3 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.02% | 9.38% | 10.56% | 15.42% | Beats 89% | 3 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.02% | 9.38% | 10.56% | 15.42% | Beats 89% | 3 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 67.52% | 56.38% | 74.82% | 87.76% | 26th pctl | 20 / 27 | |
| Loans / Assets | 53.91% | 50.27% | 64.80% | 77.37% | 26th pctl | 20 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |