Decatur Postal
Decatur, IL · Charter 65841 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
$6.4MAssets
$2.7MLoans
$5.0MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets in IL (rank 4 of 50).
- Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in IL (rank 45 of 50).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.50%
Rank 36 of 50
Net Interest Margin
3.42%
Rank 31 of 50
Efficiency Ratio
85.84%
Rank 43 of 50
Equity / Assets
22.68%
Rank 4 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.49% | 0.97% | 1.35% | Beats 28% | 36 / 50 | | |
| Return on Equity | 2.19% | 3.76% | 7.55% | 10.28% | Beats 12% | 44 / 50 | | |
| Net Interest Margin | 3.42% | 3.15% | 3.72% | 4.20% | Beats 38% | 31 / 50 | | |
| Efficiency Ratio | 85.84% | 67.18% | 75.90% | 80.66% | Beats 16% | 43 / 50 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.91% | 0.14% | 0.47% | 0.87% | Beats 12% | 45 / 50 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.68% | 10.68% | 13.50% | 16.38% | Beats 92% | 4 / 50 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.68% | 10.68% | 13.50% | 16.38% | Beats 92% | 4 / 50 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.23% | 55.23% | 70.87% | 80.60% | 24th pctl | 38 / 50 | | |
| Loans / Assets | 42.66% | 43.53% | 60.64% | 68.47% | 18th pctl | 41 / 50 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |