Mercer
Aledo, IL · Charter 65995 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
$2.6MAssets
$1.8MLoans
$2.2MShares
$391KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 64% of credit unions under $1B in assets in IL (rank 18 of 50).
- Widest gap: net interest margin trails 98% of credit unions under $1B in assets in IL (rank 49 of 50).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.30%
Rank 44 of 50
Net Interest Margin
2.44%
Rank 49 of 50
Efficiency Ratio
87.88%
Rank 44 of 50
Equity / Assets
14.89%
Rank 18 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.49% | 0.97% | 1.35% | Beats 12% | 44 / 50 | | |
| Return on Equity | 2.05% | 3.76% | 7.55% | 10.28% | Beats 10% | 45 / 50 | | |
| Net Interest Margin | 2.44% | 3.15% | 3.72% | 4.20% | Beats 2% | 49 / 50 | | |
| Efficiency Ratio | 87.88% | 67.18% | 75.90% | 80.66% | Beats 14% | 44 / 50 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.62% | 0.14% | 0.47% | 0.87% | Beats 20% | 41 / 50 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.89% | 10.68% | 13.50% | 16.38% | Beats 64% | 18 / 50 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.89% | 10.68% | 13.50% | 16.38% | Beats 64% | 18 / 50 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.54% | 55.23% | 70.87% | 80.60% | 72nd pctl | 14 / 50 | | |
| Loans / Assets | 68.09% | 43.53% | 60.64% | 68.47% | 72nd pctl | 14 / 50 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |