CENTRAL ILLINOIS
Charter #65186 · champaign, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,552 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.67% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 4.89% sits at the 98th percentile of structural peers — worth a closer look.
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 | CENTRAL ILLINOIS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.73M | 51th pct | 56th pct |
| Members | 3,552 | 86th pct | 79th pct |
| Net worth ratio | 12.04% | 37th pct | 41th pct |
| Return on average assets | 0.99% | 67th pct | 57th pct |
| Net interest margin | 3.92% | 54th pct | 41th pct |
| Cost of funds | 0.10% | 7th pct | 5th pct |
| Loan-to-share | 52.12% | 41th pct | 36th pct |
| Delinquency 60+ days | 1.67% | 81th pct | 82th pct |
| Net charge-off ratio | 4.89% | 99th pct | 98th pct |
| Loan growth YoY | 0.04% | 71th pct | 74th pct |
| Share growth YoY | 4.34% | 69th pct | 79th pct |
| Efficiency ratio | 81.50% | 53th pct | 49th pct |
structural peer set hash: c83c19aa4119370cf6adbf41dd84d982… (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.