Effingham Highway Credit Union

Credit UnionNFICUEffingham, IL·NCUA #81553Compare ⇄▤ Account brief

Total assets

$5.8M

▲ +2.6% YoY

Shares & deposits

$4.7M

▼ -0.2% YoY

Loans

$4.8M

▲ +12.9% YoY

Members

1,010

▼ -2.8% YoY

ROA (annualized)

2.50%

peers 0.60%

ROE (annualized)

12.85%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+2.6%	+1.3%	+1.3 pts
Share growth (YoY)	-0.2%	+0.7%	-0.8 pts
Loan growth (YoY)	+12.9%	-2.4%	+15.3 pts
ROA	2.50%	0.60%	+1.9 pts
ROE	12.9%	4.1%	+8.7 pts

ROA ranks in the 97th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$5.8M	$4.7M	$4.8M	$1.1M	$37K	2.50%	5.45%	0.00%	1,010
Q4 2025	$5.6M	$4.5M	$4.4M	$1.1M	$155K	2.77%	5.60%	0.00%	1,011
Q3 2025	$5.6M	$4.5M	$4.4M	$1.1M	$114K	2.71%	5.57%	0.00%	1,010
Q2 2025	$5.7M	$4.7M	$4.4M	$1.0M	$82K	2.89%	5.46%	0.00%	1,019
Q1 2025	$5.7M	$4.7M	$4.2M	$982K	$35K	2.45%	5.33%	0.60%	1,039
Q4 2024	$5.7M	$4.7M	$4.5M	$972K	$116K	2.03%	4.70%	1.44%	1,051
Q3 2024	$5.7M	$4.8M	$4.5M	$936K	$81K	1.88%	4.53%	0.67%	1,050
Q2 2024	$5.7M	$4.8M	$4.5M	$908K	$52K	1.84%	4.52%	0.00%	1,054

Members down·Members -2.8% YoY (2%+ decline) — Losing members — growth and digital experience are top of mind

Earlier quarters (4)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	2.50%	0.60%	97th
Return on equity Annualized net income ÷ equity or net worth	12.9%	4.1%	93th
Net interest margin Interest income − interest expense, ÷ assets	5.45%	3.83%

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Ratio	Value	Peer median
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%

Ratio	Value	Peer median
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%

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%