EFFINGHAM HIGHWAY
Charter #81553 · Effingham, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.55% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.55% ranks in the 82nd 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.
- Net charge-off ratio of -0.13% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.48% ranks in the 13th 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 | EFFINGHAM HIGHWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.84M | 70th pct | 52th pct |
| Members | 1,010 | 83th pct | 69th pct |
| Net worth ratio | 19.49% | 57th pct | 54th pct |
| Return on average assets | 2.55% | 94th pct | 92th pct |
| Net interest margin | 5.55% | 86th pct | 82th pct |
| Cost of funds | 1.54% | 79th pct | 57th pct |
| Loan-to-share | 102.14% | 94th pct | 85th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.13% | 13th pct | 5th pct |
| Loan growth YoY | 8.48% | 92th pct | 93th pct |
| Share growth YoY | 3.83% | 75th pct | 67th pct |
| Efficiency ratio | 55.48% | 12th pct | 13th pct |
structural peer set hash: 5a7c74ce9c2660843dd6ed7eb5d95bf4… (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.