Central Illinois Credit Union
Total assets
$25.7M
▼ -9.0% YoY
Shares & deposits
$22.5M
▼ -9.8% YoY
Loans
$11.7M
▲ +1.5% YoY
Members
3,552
▲ +1.1% YoY
ROA (annualized)
0.98%
peers 0.60%
ROE (annualized)
8.11%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.0% | +1.3% | -10.3 pts |
| Share growth (YoY) | -9.8% | +0.7% | -10.4 pts |
| Loan growth (YoY) | +1.5% | -2.4% | +3.9 pts |
| ROA | 0.98% | 0.60% | +0.4 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 2106 W John St, Champaign, IL, 61821
- NCUA charter #
- 65186
- RSSD ID
- 535490
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.7M | $22.5M | $11.7M | $3.1M | $63K | 0.98% | 3.86% | 1.67% | 3,552 |
| Q4 2025 | $24.9M | $21.5M | $12.1M | $3.3M | $151K | 0.61% | 4.38% | 2.09% | 3,527 |
| Q3 2025 | $26.1M | $21.6M | $11.7M | $3.2M | $55K | 0.28% | 3.71% | 2.30% | 3,520 |
| Q2 2025 | $25.7M | $22.4M | $11.6M | $3.2M | $4K | 0.03% | 3.89% | 2.74% | 3,501 |
| Q1 2025 | $28.3M | $24.9M | $11.5M | $3.2M | $56K | 0.79% | 3.60% | 4.70% | 3,515 |
| Q4 2024 | $27.3M | $23.8M | $11.5M | $3.4M | $351K | 1.28% | 4.41% | 4.58% | 3,619 |
| Q3 2024 | $25.7M | $22.2M | $11.5M | $3.4M | $298K | 1.55% | 4.71% | 4.40% | 3,501 |
| Q2 2024 | $25.1M | $21.7M | $11.4M | $3.4M | $212K | 1.69% | 4.72% | 4.86% | 3,440 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $11.7M · securities $8.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% | 52th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 81.5% | 50th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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