DECATUR POSTAL
Charter #65841 · Decatur, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 494 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -0.06% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.92% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 2.18% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.31% sits at the 79th percentile of structural peers — worth a closer look.
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 | DECATUR POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.33M | 74th pct | 43th pct |
| Members | 494 | 43th pct | 11th pct |
| Net worth ratio | 22.79% | 68th pct | 66th pct |
| Return on average assets | -0.06% | 31th pct | 20th pct |
| Net interest margin | 2.92% | 19th pct | 15th pct |
| Cost of funds | 2.18% | 91th pct | 92th pct |
| Loan-to-share | 53.64% | 45th pct | 46th pct |
| Delinquency 60+ days | 2.24% | 70th pct | 74th pct |
| Net charge-off ratio | 0.31% | 79th pct | 79th pct |
| Loan growth YoY | 2.25% | 81th pct | 89th pct |
| Share growth YoY | -2.97% | 28th pct | 20th pct |
| Efficiency ratio | 102.03% | 75th pct | 89th pct |
structural peer set hash: 2844bf6ef5d2a72399dbac5ffe3c4166… (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.