ILLINOIS STATE
Charter #64920 · Normal, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.91% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.64% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 52nd — a 19-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 STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $252.63M | 64th pct | 57th pct |
| Members | 18,449 | 72th pct | 52th pct |
| Net worth ratio | 10.35% | 32th pct | 43th pct |
| Return on average assets | 1.03% | 71th pct | 66th pct |
| Net interest margin | 4.91% | 96th pct | 90th pct |
| Cost of funds | 1.64% | 74th pct | 75th pct |
| Loan-to-share | 83.80% | 77th pct | 62th pct |
| Delinquency 60+ days | 0.46% | 38th pct | 31th pct |
| Net charge-off ratio | 0.45% | 58th pct | 54th pct |
| Loan growth YoY | 4.64% | 85th pct | 70th pct |
| Share growth YoY | 11.43% | 98th pct | 92th pct |
| Efficiency ratio | 74.15% | 34th pct | 33th pct |
structural peer set hash: 1cbfba23db96e39af0338e7780b24b8b… (reproducible)
Closest structural peers
This is the free public view
Claim ILLINOIS STATE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.