EMPEOPLE
Charter #68598 · Moline, IL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.26% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.91% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.70% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.47% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 43rd — a 19-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 | EMPEOPLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.28B | 51th pct | 62th pct |
| Members | 73,975 | 21th pct | 34th pct |
| Net worth ratio | 8.26% | 4th pct | 3th pct |
| Return on average assets | 0.80% | 58th pct | 74th pct |
| Net interest margin | 2.91% | 22th pct | 8th pct |
| Cost of funds | 2.70% | 90th pct | 93th pct |
| Loan-to-share | 93.24% | 74th pct | 70th pct |
| Delinquency 60+ days | 0.47% | 34th pct | 23th pct |
| Net charge-off ratio | 0.49% | 46th pct | 36th pct |
| Loan growth YoY | 0.58% | 34th pct | 39th pct |
| Share growth YoY | 7.89% | 86th pct | 92th pct |
| Efficiency ratio | 75.82% | 61th pct | 43th pct |
structural peer set hash: f015008dbeb4a12f6ea9dcaa731f3474… (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.