Effingham Highway
Effingham, IL · Charter 81553 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.9MAssets
$4.8MLoans
$4.7MShares
$1.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: equity / assets trails 14% of credit unions under $1B in assets (rank 233 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.21%
Rank 53 of 1,683
Net Interest Margin
5.50%
Rank 68 of 1,683
Efficiency Ratio
61.08%
Rank 203 of 1,682
Equity / Assets
19.83%
Rank 233 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.21% | 0.35% | 0.74% | 1.18% | Beats 97% | 53 / 1,683 | | |
| Return on Equity | 11.13% | 2.67% | 5.89% | 8.74% | Beats 88% | 196 / 1,681 | | |
| Net Interest Margin | 5.50% | 3.31% | 3.82% | 4.32% | Beats 96% | 68 / 1,683 | | |
| Efficiency Ratio | 61.08% | 68.91% | 78.20% | 86.93% | Beats 88% | 203 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.83% | 10.44% | 12.89% | 16.53% | Beats 86% | 233 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.83% | 10.44% | 12.89% | 16.53% | Beats 86% | 233 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.82% | 52.61% | 69.38% | 83.50% | 98th pctl | 40 / 1,683 | | |
| Loans / Assets | 82.31% | 44.71% | 59.18% | 70.72% | 94th pctl | 94 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |