I.B.E.W. LOCAL #146
Charter #65840 · Decatur, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.76% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.09% ranks in the 15th 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.
- Efficiency ratio of 59.06% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 28th — a 33-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 | I.B.E.W. LOCAL #146 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.17M | 61th pct | 28th pct |
| Members | 652 | 56th pct | 34th pct |
| Net worth ratio | 12.67% | 25th pct | 51th pct |
| Return on average assets | 1.76% | 87th pct | 92th pct |
| Net interest margin | 4.27% | 57th pct | 59th pct |
| Cost of funds | 0.09% | 19th pct | 15th pct |
| Loan-to-share | 39.36% | 29th pct | 46th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 33th pct |
| Loan growth YoY | -11.94% | 21th pct | 21th pct |
| Share growth YoY | 1.37% | 59th pct | 39th pct |
| Efficiency ratio | 59.06% | 14th pct | 7th pct |
structural peer set hash: 9e9cca47090af6b91373d565e71a6c20… (reproducible)
Closest structural peers
This is the free public view
Claim I.B.E.W. LOCAL #146
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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.