STATE EMPLOYEES COMMUNITY
Charter #65259 · Alton, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.16% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 5.61% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.52% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 98.34% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 49th — a 27-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 | STATE EMPLOYEES COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.62M | 76th pct | 49th pct |
| Members | 1,031 | 84th pct | 66th pct |
| Net worth ratio | 19.77% | 58th pct | 62th pct |
| Return on average assets | -0.16% | 29th pct | 16th pct |
| Net interest margin | 5.61% | 86th pct | 92th pct |
| Cost of funds | 0.52% | 51th pct | 25th pct |
| Loan-to-share | 71.62% | 66th pct | 43th pct |
| Delinquency 60+ days | 0.19% | 33th pct | 36th pct |
| Net charge-off ratio | 0.20% | 77th pct | 70th pct |
| Loan growth YoY | 3.08% | 84th pct | 85th pct |
| Share growth YoY | 0.46% | 53th pct | 31th pct |
| Efficiency ratio | 98.34% | 70th pct | 82th pct |
structural peer set hash: ebb8229462a27ee46be046ba11e9980a… (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.