Decatur Earthmover
Forsyth, IL · Charter 68597 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 6 branches
Q2 2026
$310.3MAssets
$156.4MLoans
$272.0MShares
$36.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 76% of credit unions under $1B in assets in IL (rank 12 of 50).
- Widest gap: return on equity trails 92% of credit unions under $1B in assets in IL (rank 46 of 50).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.23%
Rank 45 of 50
Net Interest Margin
4.25%
Rank 12 of 50
Efficiency Ratio
92.03%
Rank 46 of 50
Equity / Assets
11.64%
Rank 34 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.49% | 0.97% | 1.35% | Beats 10% | 45 / 50 | |
| Return on Equity | 2.01% | 3.76% | 7.55% | 10.28% | Beats 8% | 46 / 50 | |
| Net Interest Margin | 4.25% | 3.15% | 3.72% | 4.20% | Beats 76% | 12 / 50 | |
| Efficiency Ratio | 92.03% | 67.18% | 75.90% | 80.66% | Beats 10% | 46 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.14% | 0.47% | 0.87% | Beats 38% | 32 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.64% | 10.68% | 13.50% | 16.38% | Beats 32% | 34 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.64% | 10.68% | 13.50% | 16.38% | Beats 32% | 34 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 57.49% | 55.23% | 70.87% | 80.60% | 30th pctl | 35 / 50 | |
| Loans / Assets | 50.40% | 43.53% | 60.64% | 68.47% | 30th pctl | 35 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |