ILLINOIS EDUCATORS
Charter #65305 · Springfield, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.07% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.67% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.46% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.59% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, 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 | ILLINOIS EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $121.38M | 14th pct | 38th pct |
| Members | 10,152 | 34th pct | 36th pct |
| Net worth ratio | 10.41% | 33th pct | 43th pct |
| Return on average assets | -0.07% | 7th pct | 8th pct |
| Net interest margin | 4.09% | 76th pct | 49th pct |
| Cost of funds | 1.67% | 76th pct | 77th pct |
| Loan-to-share | 92.86% | 94th pct | 92th pct |
| Delinquency 60+ days | 0.67% | 55th pct | 64th pct |
| Net charge-off ratio | 1.46% | 96th pct | 89th pct |
| Loan growth YoY | 1.28% | 59th pct | 64th pct |
| Share growth YoY | 7.75% | 91th pct | 95th pct |
| Efficiency ratio | 65.59% | 16th pct | 7th pct |
structural peer set hash: c0d220863ea6f4fac947993969d2c990… (reproducible)
Closest structural peers
This is the free public view
Claim ILLINOIS EDUCATORS
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.