ILLINOIS VALLEY
Charter #62121 · Peru, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -3.60% sits at the 2nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 131.39% sits at the 98th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 56th — 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 | ILLINOIS VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.50M | 77th pct | 59th pct |
| Members | 4,213 | 92th pct | 56th pct |
| Net worth ratio | 9.94% | 18th pct | 34th pct |
| Return on average assets | -3.60% | 1th pct | 2th pct |
| Net interest margin | 4.62% | 82th pct | 62th pct |
| Cost of funds | 0.83% | 49th pct | 26th pct |
| Loan-to-share | 81.19% | 85th pct | 70th pct |
| Delinquency 60+ days | 1.53% | 78th pct | 70th pct |
| Net charge-off ratio | 0.76% | 80th pct | 64th pct |
| Loan growth YoY | -4.01% | 38th pct | 28th pct |
| Share growth YoY | 0.71% | 33th pct | 18th pct |
| Efficiency ratio | 131.39% | 98th pct | 98th pct |
structural peer set hash: dbe1609d86f93d2d91c02d2f11a06b68… (reproducible)
Closest structural peers
This is the free public view
Claim ILLINOIS VALLEY
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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.