CLIFFORD-JACOBS EMPLOYEES
Charter #60627 · CHAMPAIGN, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 159 sits at the 2nd percentile of structural peers — worth a closer look.
- Net worth ratio of 55.39% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.88% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.42% sits at the 85th 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 | CLIFFORD-JACOBS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.17M | 20th pct | 10th pct |
| Members | 159 | 10th pct | 2th pct |
| Net worth ratio | 55.39% | 99th pct | 92th pct |
| Return on average assets | 1.31% | 81th pct | 69th pct |
| Net interest margin | 5.88% | 90th pct | 79th pct |
| Cost of funds | 0.00% | 0th pct | 2th pct |
| Loan-to-share | 118.55% | 99th pct | 84th pct |
| Delinquency 60+ days | 3.42% | 80th pct | 85th pct |
| Net charge-off ratio | -0.57% | 6th pct | 2th pct |
| Loan growth YoY | -17.23% | 10th pct | 2th pct |
| Share growth YoY | 5.21% | 82th pct | 92th pct |
| Efficiency ratio | 79.42% | 38th pct | 44th pct |
structural peer set hash: bc8964785344cc0e1ed89aa489654b1e… (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.