Salem School System
Salem, IL · Charter 65346 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$2.2MAssets
$1.6MLoans
$1.5MShares
$690KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: return on equity trails 67% of credit unions under $1B in assets (rank 1122 of 1681).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.16%
Rank 435 of 1,683
Net Interest Margin
4.92%
Rank 161 of 1,683
Efficiency Ratio
61.82%
Rank 218 of 1,682
Equity / Assets
30.87%
Rank 46 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 435 / 1,683 | |
| Return on Equity | 3.77% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,122 / 1,681 | |
| Net Interest Margin | 4.92% | 3.31% | 3.82% | 4.32% | Beats 90% | 161 / 1,683 | |
| Efficiency Ratio | 61.82% | 68.91% | 78.20% | 86.93% | Beats 87% | 218 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 30.87% | 10.44% | 12.89% | 16.53% | Beats 97% | 46 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 30.87% | 10.44% | 12.89% | 16.53% | Beats 97% | 46 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 104.47% | 52.61% | 69.38% | 83.50% | 98th pctl | 34 / 1,683 | |
| Loans / Assets | 72.17% | 44.71% | 59.18% | 70.72% | 78th pctl | 372 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |