I.B.E.W. Local #146
Decatur, IL · Charter 65840 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
$5.0MAssets
$1.8MLoans
$4.3MShares
$678KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in IL (rank 7 of 50).
- Widest gap: equity / assets trails 48% of credit unions under $1B in assets in IL (rank 24 of 50).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.83%
Rank 5 of 50
Net Interest Margin
4.38%
Rank 9 of 50
Efficiency Ratio
58.56%
Rank 7 of 50
Equity / Assets
13.51%
Rank 24 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.49% | 0.97% | 1.35% | Beats 90% | 5 / 50 | |
| Return on Equity | 13.57% | 3.76% | 7.55% | 10.28% | Beats 92% | 4 / 50 | |
| Net Interest Margin | 4.38% | 3.15% | 3.72% | 4.20% | Beats 82% | 9 / 50 | |
| Efficiency Ratio | 58.56% | 67.18% | 75.90% | 80.66% | Beats 88% | 7 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.47% | 0.87% | Beats 100% | 7 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.51% | 10.68% | 13.50% | 16.38% | Beats 52% | 24 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.51% | 10.68% | 13.50% | 16.38% | Beats 52% | 24 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 41.18% | 55.23% | 70.87% | 80.60% | 10th pctl | 45 / 50 | |
| Loans / Assets | 35.59% | 43.53% | 60.64% | 68.47% | 12th pctl | 44 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |