Empeople
Moline, IL · Charter 68598 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 34 branches
Q2 2026
$2.3BAssets
$2.0BLoans
$2.0BShares
$187.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 68% of credit unions $1B-$10B in assets (rank 140 of 435).
- Widest gap: equity / assets trails 95% of credit unions $1B-$10B in assets (rank 413 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.74%
Rank 253 of 435
Net Interest Margin
2.94%
Rank 343 of 435
Efficiency Ratio
76.12%
Rank 299 of 435
Equity / Assets
8.28%
Rank 413 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.55% | 0.81% | 1.14% | Beats 42% | 253 / 435 | | |
| Return on Equity | 8.93% | 5.12% | 7.41% | 9.70% | Beats 68% | 140 / 435 | | |
| Net Interest Margin | 2.94% | 3.01% | 3.39% | 3.75% | Beats 21% | 343 / 435 | | |
| Efficiency Ratio | 76.12% | 65.25% | 71.39% | 77.86% | Beats 31% | 299 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.45% | 0.69% | 1.05% | Beats 61% | 171 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.28% | 9.81% | 10.84% | 12.63% | Beats 5% | 413 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.28% | 9.81% | 10.84% | 12.63% | Beats 5% | 413 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.06% | 78.33% | 88.38% | 95.61% | 76th pctl | 103 / 435 | | |
| Loans / Assets | 86.89% | 67.69% | 74.58% | 80.80% | 94th pctl | 27 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |