WESTERN ILLINOIS SCHOOL EMPLOYEES
Charter #65426 · QUINCY, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.34% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.01% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.61% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 81.76% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 26th — a 26-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 | WESTERN ILLINOIS SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.72M | 46th pct | 59th pct |
| Members | 1,677 | 32th pct | 38th pct |
| Net worth ratio | 16.14% | 66th pct | 66th pct |
| Return on average assets | 0.34% | 33th pct | 20th pct |
| Net interest margin | 2.01% | 2th pct | 0th pct |
| Cost of funds | 2.61% | 96th pct | 95th pct |
| Loan-to-share | 84.30% | 89th pct | 74th pct |
| Delinquency 60+ days | 0.41% | 41th pct | 39th pct |
| Net charge-off ratio | 0.15% | 52th pct | 59th pct |
| Loan growth YoY | -2.14% | 52th pct | 26th pct |
| Share growth YoY | 6.20% | 82th pct | 84th pct |
| Efficiency ratio | 81.76% | 54th pct | 75th pct |
structural peer set hash: a1a9f6869617e4101e184c9d0f664cff… (reproducible)
Closest structural peers
This is the free public view
Claim WESTERN ILLINOIS SCHOOL EMPLOYEES
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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.