SELECT EMPLOYEES
Charter #60531 · Sterling, IL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.64% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.84% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 34th — a 16-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 | SELECT EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.68M | 65th pct | 56th pct |
| Members | 5,836 | 63th pct | 48th pct |
| Net worth ratio | 12.27% | 44th pct | 49th pct |
| Return on average assets | 1.64% | 88th pct | 89th pct |
| Net interest margin | 3.55% | 41th pct | 34th pct |
| Cost of funds | 0.92% | 50th pct | 34th pct |
| Loan-to-share | 69.45% | 67th pct | 62th pct |
| Delinquency 60+ days | 0.10% | 12th pct | 15th pct |
| Net charge-off ratio | 0.17% | 42th pct | 34th pct |
| Loan growth YoY | -4.27% | 23th pct | 8th pct |
| Share growth YoY | 8.64% | 93th pct | 85th pct |
| Efficiency ratio | 65.84% | 19th pct | 18th pct |
structural peer set hash: 919785ff5bebd6949a8f093a5c4295ad… (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.