PEORIA HIWAY
Charter #61232 · Peoria, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.31% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.38% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.08% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.21% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 28th — a 29-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 | PEORIA HIWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.65M | 76th pct | 51th pct |
| Members | 667 | 57th pct | 28th pct |
| Net worth ratio | 13.38% | 29th pct | 39th pct |
| Return on average assets | 1.31% | 80th pct | 82th pct |
| Net interest margin | 3.75% | 40th pct | 44th pct |
| Cost of funds | 2.38% | 92th pct | 89th pct |
| Loan-to-share | 77.54% | 74th pct | 64th pct |
| Delinquency 60+ days | 1.01% | 53th pct | 66th pct |
| Net charge-off ratio | -0.08% | 14th pct | 11th pct |
| Loan growth YoY | 2.52% | 83th pct | 80th pct |
| Share growth YoY | 3.64% | 75th pct | 67th pct |
| Efficiency ratio | 66.21% | 21th pct | 15th pct |
structural peer set hash: 18aa3302cfa78d7436d78a5d23e7294a… (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.