SALEM SCHOOL SYSTEM
Charter #65346 · Salem, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 364 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 31.63% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 3.74% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.05% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | SALEM SCHOOL SYSTEM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.16M | 32th pct | 26th pct |
| Members | 364 | 31th pct | 18th pct |
| Net worth ratio | 31.63% | 87th pct | 77th pct |
| Return on average assets | 1.19% | 77th pct | 64th pct |
| Net interest margin | 5.27% | 83th pct | 62th pct |
| Cost of funds | 1.45% | 77th pct | 69th pct |
| Loan-to-share | 109.91% | 96th pct | 84th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 3.74% | 95th pct | 90th pct |
| Loan growth YoY | -2.39% | 63th pct | 54th pct |
| Share growth YoY | -0.39% | 46th pct | 52th pct |
| Efficiency ratio | 62.05% | 18th pct | 18th pct |
structural peer set hash: 2b8b20a2e933223f984889dfed1ac5ac… (reproducible)
Closest structural peers
This is the free public view
Claim SALEM SCHOOL SYSTEM
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.