MEA
Charter #65896 · Monticello, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 122 sits at the 2nd percentile of structural peers — worth a closer look.
- Net worth ratio of 8.75% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 1.82% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.96% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.29% ranks in the 21st 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 | MEA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 806,312 | 14th pct | 5th pct |
| Members | 122 | 6th pct | 2th pct |
| Net worth ratio | 8.75% | 8th pct | 18th pct |
| Return on average assets | 1.82% | 89th pct | 90th pct |
| Net interest margin | 2.96% | 21th pct | 21th pct |
| Cost of funds | 0.29% | 38th pct | 21th pct |
| Loan-to-share | 69.88% | 63th pct | 43th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | -6.44% | 43th pct | 28th pct |
| Share growth YoY | 7.37% | 89th pct | 82th pct |
| Efficiency ratio | 38.53% | 5th pct | 2th pct |
structural peer set hash: 6b515211d880b5ad258ab901ce29e3d5… (reproducible)
Closest structural peers
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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.