Scott
Edwardsville, IL · Charter 66370 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
$1.9BAssets
$1.3BLoans
$1.6BShares
$187.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 86% of credit unions $1B-$10B in assets (rank 62 of 435).
- Widest gap: equity / assets trails 67% of credit unions $1B-$10B in assets (rank 293 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.14%
Rank 108 of 435
Net Interest Margin
3.79%
Rank 94 of 435
Efficiency Ratio
73.29%
Rank 248 of 435
Equity / Assets
10.14%
Rank 293 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.55% | 0.81% | 1.14% | Beats 75% | 108 / 435 | |
| Return on Equity | 11.21% | 5.12% | 7.41% | 9.70% | Beats 86% | 62 / 435 | |
| Net Interest Margin | 3.79% | 3.01% | 3.39% | 3.75% | Beats 78% | 94 / 435 | |
| Efficiency Ratio | 73.29% | 65.25% | 71.39% | 77.86% | Beats 43% | 248 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.45% | 0.69% | 1.05% | Beats 66% | 148 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.14% | 9.81% | 10.84% | 12.63% | Beats 33% | 293 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.14% | 9.81% | 10.84% | 12.63% | Beats 33% | 293 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 77.68% | 78.33% | 88.38% | 95.61% | 23rd pctl | 333 / 435 | |
| Loans / Assets | 68.64% | 67.69% | 74.58% | 80.80% | 27th pctl | 317 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |