United Equity
Decatur, IL · Charter 81688 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
$66.2MAssets
$38.9MLoans
$53.7MShares
$12.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in IL (rank 5 of 50).
- Widest gap: return on equity trails 36% of credit unions under $1B in assets in IL (rank 18 of 50).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.68%
Rank 8 of 50
Net Interest Margin
4.96%
Rank 5 of 50
Efficiency Ratio
63.74%
Rank 8 of 50
Equity / Assets
18.66%
Rank 7 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.49% | 0.97% | 1.35% | Beats 84% | 8 / 50 | |
| Return on Equity | 8.99% | 3.76% | 7.55% | 10.28% | Beats 64% | 18 / 50 | |
| Net Interest Margin | 4.96% | 3.15% | 3.72% | 4.20% | Beats 90% | 5 / 50 | |
| Efficiency Ratio | 63.74% | 67.18% | 75.90% | 80.66% | Beats 86% | 8 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.14% | 0.47% | 0.87% | Beats 72% | 15 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.66% | 10.68% | 13.50% | 16.38% | Beats 86% | 7 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.66% | 10.68% | 13.50% | 16.38% | Beats 86% | 7 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 72.50% | 55.23% | 70.87% | 80.60% | 54th pctl | 23 / 50 | |
| Loans / Assets | 58.77% | 43.53% | 60.64% | 68.47% | 48th pctl | 26 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |