Mea
Monticello, IL · Charter 65896 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
$806KAssets
$466KLoans
$732KShares
$74KNet 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 92% of credit unions under $1B in assets in IL (rank 46 of 50).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.74%
Rank 7 of 50
Net Interest Margin
2.98%
Rank 43 of 50
Efficiency Ratio
41.67%
Rank 2 of 50
Equity / Assets
9.18%
Rank 46 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.49% | 0.97% | 1.35% | Beats 86% | 7 / 50 | |
| Return on Equity | 18.92% | 3.76% | 7.55% | 10.28% | Beats 94% | 3 / 50 | |
| Net Interest Margin | 2.98% | 3.15% | 3.72% | 4.20% | Beats 14% | 43 / 50 | |
| Efficiency Ratio | 41.67% | 67.18% | 75.90% | 80.66% | Beats 98% | 2 / 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 | 9.18% | 10.68% | 13.50% | 16.38% | Beats 8% | 46 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.18% | 10.68% | 13.50% | 16.38% | Beats 8% | 46 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 63.66% | 55.23% | 70.87% | 80.60% | 38th pctl | 31 / 50 | |
| Loans / Assets | 57.82% | 43.53% | 60.64% | 68.47% | 42nd pctl | 29 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |