LINXUS
Charter #64948 · MACHESNEY PARK, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.51% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.02% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 59th — a 28-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 | LINXUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.97M | 31th pct | 59th pct |
| Members | 2,171 | 53th pct | 72th pct |
| Net worth ratio | 15.52% | 63th pct | 51th pct |
| Return on average assets | 1.04% | 70th pct | 66th pct |
| Net interest margin | 4.51% | 78th pct | 87th pct |
| Cost of funds | 0.42% | 27th pct | 30th pct |
| Loan-to-share | 41.56% | 23th pct | 30th pct |
| Delinquency 60+ days | 0.02% | 12th pct | 13th pct |
| Net charge-off ratio | -0.04% | 14th pct | 10th pct |
| Loan growth YoY | -5.99% | 24th pct | 36th pct |
| Share growth YoY | 3.04% | 56th pct | 51th pct |
| Efficiency ratio | 78.34% | 45th pct | 52th pct |
structural peer set hash: 501199ac572c0721ee82cc2a736bba61… (reproducible)
Closest structural peers
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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.