Carbondale Highway
Carbondale, IL · Charter 65427 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.6MAssets
$2.7MLoans
$4.7MShares
$876KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: efficiency ratio trails 64% of credit unions under $1B in assets (rank 1082 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.75%
Rank 834 of 1,683
Net Interest Margin
4.34%
Rank 408 of 1,683
Efficiency Ratio
82.93%
Rank 1,082 of 1,682
Equity / Assets
15.58%
Rank 489 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 50% | 834 / 1,683 | | |
| Return on Equity | 4.79% | 2.67% | 5.89% | 8.74% | Beats 42% | 975 / 1,681 | | |
| Net Interest Margin | 4.34% | 3.31% | 3.82% | 4.32% | Beats 76% | 408 / 1,683 | | |
| Efficiency Ratio | 82.93% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,082 / 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 | 15.58% | 10.44% | 12.89% | 16.53% | Beats 71% | 489 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.58% | 10.44% | 12.89% | 16.53% | Beats 71% | 489 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.41% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,176 / 1,683 | | |
| Loans / Assets | 47.42% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,188 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |