Rock Valley
Loves Park, IL · Charter 68687 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
$174.4MAssets
$138.5MLoans
$152.7MShares
$20.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 70% of credit unions under $1B in assets in IL (rank 15 of 50).
- Widest gap: return on equity trails 96% of credit unions under $1B in assets in IL (rank 48 of 50).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.09%
Rank 48 of 50
Net Interest Margin
4.15%
Rank 15 of 50
Efficiency Ratio
88.77%
Rank 45 of 50
Equity / Assets
11.50%
Rank 35 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.09% | 0.49% | 0.97% | 1.35% | Beats 4% | 48 / 50 | |
| Return on Equity | 0.80% | 3.76% | 7.55% | 10.28% | Beats 4% | 48 / 50 | |
| Net Interest Margin | 4.15% | 3.15% | 3.72% | 4.20% | Beats 70% | 15 / 50 | |
| Efficiency Ratio | 88.77% | 67.18% | 75.90% | 80.66% | Beats 12% | 45 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.14% | 0.47% | 0.87% | Beats 34% | 34 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.50% | 10.68% | 13.50% | 16.38% | Beats 30% | 35 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.50% | 10.68% | 13.50% | 16.38% | Beats 30% | 35 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 90.72% | 55.23% | 70.87% | 80.60% | 82nd pctl | 9 / 50 | |
| Loans / Assets | 79.42% | 43.53% | 60.64% | 68.47% | 92nd pctl | 4 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |