ALTON MUNICIPAL EMPLOYEES
Charter #10308 · ALTON, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 266 sits at the 11th percentile of structural peers — worth a closer look.
- Net worth ratio of 36.88% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.84% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.24% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 139.24% sits at the 97th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ALTON MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 458,107 | 9th pct | 0th pct |
| Members | 266 | 22th pct | 11th pct |
| Net worth ratio | 36.88% | 92th pct | 77th pct |
| Return on average assets | -1.84% | 11th pct | 5th pct |
| Net interest margin | 4.69% | 70th pct | 56th pct |
| Cost of funds | 0.24% | 34th pct | 25th pct |
| Loan-to-share | 113.91% | 97th pct | 79th pct |
| Delinquency 60+ days | 1.01% | 53th pct | 56th pct |
| Net charge-off ratio | 0.00% | 22th pct | 26th pct |
| Loan growth YoY | -6.83% | 41th pct | 26th pct |
| Share growth YoY | -3.25% | 26th pct | 30th pct |
| Efficiency ratio | 139.24% | 91th pct | 97th pct |
structural peer set hash: f0156b0c795f93675192d921323ed06a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.