JOLIET MUNICIPAL EMPLOYEES
Charter #16437 · joliet, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 865 sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 1.06% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.53% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.42% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 70.89% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | JOLIET MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.13M | 5th pct | 21th pct |
| Members | 865 | 3th pct | 5th pct |
| Net worth ratio | 11.05% | 27th pct | 31th pct |
| Return on average assets | 1.06% | 71th pct | 80th pct |
| Net interest margin | 3.53% | 35th pct | 16th pct |
| Cost of funds | 2.42% | 95th pct | 98th pct |
| Loan-to-share | 65.34% | 63th pct | 67th pct |
| Delinquency 60+ days | 0.62% | 52th pct | 51th pct |
| Net charge-off ratio | 0.13% | 50th pct | 49th pct |
| Loan growth YoY | -6.37% | 21th pct | 21th pct |
| Share growth YoY | -2.21% | 12th pct | 7th pct |
| Efficiency ratio | 70.89% | 28th pct | 21th pct |
structural peer set hash: be8578f7a5f07417f8da354de64e6e73… (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.