ROCKFORD MUNICIPAL EMPLOYEES
Charter #62826 · Rockford, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.70% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.06% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 44th — 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 | ROCKFORD MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.72M | 46th pct | 39th pct |
| Members | 2,102 | 50th pct | 44th pct |
| Net worth ratio | 15.75% | 64th pct | 67th pct |
| Return on average assets | 0.85% | 61th pct | 44th pct |
| Net interest margin | 2.70% | 9th pct | 3th pct |
| Cost of funds | 0.06% | 4th pct | 7th pct |
| Loan-to-share | 50.06% | 37th pct | 43th pct |
| Delinquency 60+ days | 0.09% | 20th pct | 20th pct |
| Net charge-off ratio | 0.31% | 63th pct | 62th pct |
| Loan growth YoY | -0.70% | 64th pct | 57th pct |
| Share growth YoY | 3.78% | 64th pct | 56th pct |
| Efficiency ratio | 67.31% | 21th pct | 28th pct |
structural peer set hash: 727088389365bf485fd1cee1a28f8aaf… (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.