NORMAL CITY EMPLOYEES
Charter #14972 · Normal, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 600 sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.15% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 21st — a 34-point gap showing why the peer definition matters.
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 | NORMAL CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.51M | 55th pct | 21th pct |
| Members | 600 | 51th pct | 25th pct |
| Net worth ratio | 11.66% | 20th pct | 30th pct |
| Return on average assets | 0.62% | 58th pct | 57th pct |
| Net interest margin | 3.44% | 31th pct | 26th pct |
| Cost of funds | 0.61% | 54th pct | 34th pct |
| Loan-to-share | 73.58% | 68th pct | 64th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.15% | 12th pct | 7th pct |
| Loan growth YoY | -0.54% | 72th pct | 64th pct |
| Share growth YoY | 2.07% | 66th pct | 56th pct |
| Efficiency ratio | 82.10% | 43th pct | 41th pct |
structural peer set hash: c6f6c79fbad0339b98b814d82a88be5c… (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.