Illinois Educators
Springfield, IL · Charter 65305 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
$120.3MAssets
$93.2MLoans
$102.2MShares
$12.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 74% of credit unions under $1B in assets in IL (rank 14 of 50).
- Widest gap: return on equity trails 94% of credit unions under $1B in assets in IL (rank 47 of 50).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.16%
Rank 47 of 50
Net Interest Margin
4.06%
Rank 17 of 50
Efficiency Ratio
67.33%
Rank 14 of 50
Equity / Assets
10.60%
Rank 40 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.49% | 0.97% | 1.35% | Beats 6% | 47 / 50 | |
| Return on Equity | 1.49% | 3.76% | 7.55% | 10.28% | Beats 6% | 47 / 50 | |
| Net Interest Margin | 4.06% | 3.15% | 3.72% | 4.20% | Beats 66% | 17 / 50 | |
| Efficiency Ratio | 67.33% | 67.18% | 75.90% | 80.66% | Beats 74% | 14 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.14% | 0.47% | 0.87% | Beats 26% | 38 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.60% | 10.68% | 13.50% | 16.38% | Beats 20% | 40 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.60% | 10.68% | 13.50% | 16.38% | Beats 20% | 40 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 91.17% | 55.23% | 70.87% | 80.60% | 86th pctl | 7 / 50 | |
| Loans / Assets | 77.45% | 43.53% | 60.64% | 68.47% | 86th pctl | 7 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |