SIU
Charter #60279 · Carbondale, IL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.33% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.88% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.82% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 57th — a 37-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 | SIU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $588.24M | 21th pct | 57th pct |
| Members | 46,180 | 64th pct | 64th pct |
| Net worth ratio | 11.36% | 63th pct | 61th pct |
| Return on average assets | 1.33% | 85th pct | 80th pct |
| Net interest margin | 3.60% | 58th pct | 33th pct |
| Cost of funds | 1.55% | 55th pct | 61th pct |
| Loan-to-share | 75.07% | 34th pct | 44th pct |
| Delinquency 60+ days | 0.88% | 72th pct | 87th pct |
| Net charge-off ratio | 0.66% | 71th pct | 61th pct |
| Loan growth YoY | 0.99% | 51th pct | 34th pct |
| Share growth YoY | 8.78% | 94th pct | 90th pct |
| Efficiency ratio | 63.82% | 12th pct | 5th pct |
structural peer set hash: e222c51603c0ee81463ed632075fd7b1… (reproducible)
Closest structural peers
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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.