URBANA MUNICIPAL EMPLOYEES
Charter #64568 · Urbana, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.80% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.12% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.46% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.49% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.82% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | URBANA MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.10M | 60th pct | 23th pct |
| Members | 766 | 67th pct | 44th pct |
| Net worth ratio | 14.35% | 35th pct | 48th pct |
| Return on average assets | 1.80% | 88th pct | 89th pct |
| Net interest margin | 5.12% | 80th pct | 87th pct |
| Cost of funds | 1.80% | 85th pct | 72th pct |
| Loan-to-share | 69.66% | 63th pct | 46th pct |
| Delinquency 60+ days | 3.46% | 81th pct | 97th pct |
| Net charge-off ratio | -0.49% | 7th pct | 0th pct |
| Loan growth YoY | -0.46% | 72th pct | 59th pct |
| Share growth YoY | 6.18% | 85th pct | 82th pct |
| Efficiency ratio | 66.82% | 22th pct | 21th pct |
structural peer set hash: 26c64c88fff8408ea176e483c9bb3ca8… (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.