Kaskaskia Valley Community
Centralia, IL · Charter 65988 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$29.4MAssets
$17.7MLoans
$26.6MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions under $1B in assets (rank 239 of 1683).
- Widest gap: equity / assets trails 97% of credit unions under $1B in assets (rank 1628 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.18%
Rank 1,534 of 1,683
Net Interest Margin
4.73%
Rank 239 of 1,683
Efficiency Ratio
98.07%
Rank 1,539 of 1,682
Equity / Assets
7.91%
Rank 1,628 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.18% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,534 / 1,683 | |
| Return on Equity | -2.33% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,560 / 1,681 | |
| Net Interest Margin | 4.73% | 3.31% | 3.82% | 4.32% | Beats 86% | 239 / 1,683 | |
| Efficiency Ratio | 98.07% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,539 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,193 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,628 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,628 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 66.54% | 52.61% | 69.38% | 83.50% | 45th pctl | 932 / 1,683 | |
| Loans / Assets | 60.23% | 44.71% | 59.18% | 70.72% | 52nd pctl | 805 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |