Western Illinois School Employees
Quincy, IL · Charter 65426 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$24.0MAssets
$16.5MLoans
$20.0MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets (rank 322 of 1682).
- Widest gap: net interest margin trails 98% of credit unions under $1B in assets (rank 1657 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.45%
Rank 1,184 of 1,683
Net Interest Margin
2.00%
Rank 1,657 of 1,683
Efficiency Ratio
77.34%
Rank 794 of 1,682
Equity / Assets
16.08%
Rank 455 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,184 / 1,683 | | |
| Return on Equity | 2.80% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,240 / 1,681 | | |
| Net Interest Margin | 2.00% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,657 / 1,683 | | |
| Efficiency Ratio | 77.34% | 68.91% | 78.20% | 86.93% | Beats 53% | 794 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.26% | 0.65% | 1.29% | Beats 81% | 322 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.08% | 10.44% | 12.89% | 16.53% | Beats 73% | 455 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.08% | 10.44% | 12.89% | 16.53% | Beats 73% | 455 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.66% | 52.61% | 69.38% | 83.50% | 74th pctl | 437 / 1,683 | | |
| Loans / Assets | 68.73% | 44.71% | 59.18% | 70.72% | 71st pctl | 490 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |