BLOOMINGTON MUNICIPAL
Charter #63103 · Bloomington, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.93% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.73% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.04% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.86% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 33rd — a 23-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 | BLOOMINGTON MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.87M | 92th pct | 80th pct |
| Members | 2,252 | 56th pct | 33th pct |
| Net worth ratio | 13.52% | 49th pct | 56th pct |
| Return on average assets | 1.13% | 73th pct | 61th pct |
| Net interest margin | 2.93% | 14th pct | 8th pct |
| Cost of funds | 1.73% | 84th pct | 97th pct |
| Loan-to-share | 33.47% | 13th pct | 28th pct |
| Delinquency 60+ days | 0.04% | 15th pct | 15th pct |
| Net charge-off ratio | 0.11% | 48th pct | 41th pct |
| Loan growth YoY | -0.69% | 64th pct | 65th pct |
| Share growth YoY | 4.91% | 74th pct | 57th pct |
| Efficiency ratio | 64.86% | 17th pct | 20th pct |
structural peer set hash: 008a69d3b60f5dea52196406d3208bc8… (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.