Springfield City Employees
Springfield, IL · Charter 65424 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
$12.8MAssets
$8.0MLoans
$10.6MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets in IL (rank 11 of 50).
- Widest gap: efficiency ratio trails 70% of credit unions under $1B in assets in IL (rank 36 of 50).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.80%
Rank 32 of 50
Net Interest Margin
4.18%
Rank 14 of 50
Efficiency Ratio
80.07%
Rank 36 of 50
Equity / Assets
17.16%
Rank 11 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.49% | 0.97% | 1.35% | Beats 36% | 32 / 50 | |
| Return on Equity | 4.65% | 3.76% | 7.55% | 10.28% | Beats 32% | 34 / 50 | |
| Net Interest Margin | 4.18% | 3.15% | 3.72% | 4.20% | Beats 72% | 14 / 50 | |
| Efficiency Ratio | 80.07% | 67.18% | 75.90% | 80.66% | Beats 30% | 36 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.14% | 0.47% | 0.87% | Beats 68% | 17 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.16% | 10.68% | 13.50% | 16.38% | Beats 78% | 11 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.16% | 10.68% | 13.50% | 16.38% | Beats 78% | 11 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 75.34% | 55.23% | 70.87% | 80.60% | 64th pctl | 18 / 50 | |
| Loans / Assets | 62.27% | 43.53% | 60.64% | 68.47% | 54th pctl | 23 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |