KASKASKIA VALLEY
Charter #65988 · Centralia, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.98% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -0.55% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 5.01% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.55% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 104.67% sits at the 93rd 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 | KASKASKIA VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.96M | 59th pct | 48th pct |
| Members | 3,462 | 84th pct | 69th pct |
| Net worth ratio | 7.98% | 5th pct | 10th pct |
| Return on average assets | -0.55% | 10th pct | 10th pct |
| Net interest margin | 5.01% | 91th pct | 85th pct |
| Cost of funds | 0.55% | 36th pct | 33th pct |
| Loan-to-share | 65.97% | 63th pct | 54th pct |
| Delinquency 60+ days | 1.55% | 79th pct | 77th pct |
| Net charge-off ratio | 0.83% | 82th pct | 74th pct |
| Loan growth YoY | -6.70% | 19th pct | 15th pct |
| Share growth YoY | 6.05% | 81th pct | 77th pct |
| Efficiency ratio | 104.67% | 91th pct | 93th pct |
structural peer set hash: f10cf0af470866ff5b172530df3a45e8… (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.