Illinois Educators Credit Union
Total assets
$121.4M
▲ +14.9% YoY
Shares & deposits
$103.3M
▲ +10.7% YoY
Loans
$95.9M
▲ +27.9% YoY
Members
10,152
▲ +9.7% YoY
ROA (annualized)
-0.07%
peers 0.69%
ROE (annualized)
-0.64%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +3.9% | +11.0 pts |
| Share growth (YoY) | +10.7% | +3.3% | +7.4 pts |
| Loan growth (YoY) | +27.9% | +2.9% | +24.9 pts |
| ROA | -0.07% | 0.69% | -0.8 pts |
| ROE | -0.6% | 5.9% | -6.6 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 3101 Montvale Drive, Springfield, IL, 62704
- NCUA charter #
- 65305
- RSSD ID
- 367495
- 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 | $121.4M | $103.3M | $95.9M | $12.6M | $-20K | -0.07% | 4.07% | 0.67% | 10,152 |
| Q4 2025 | $120.3M | $101.1M | $96.2M | $12.7M | $777K | 0.65% | 3.65% | 1.06% | 10,173 |
| Q3 2025 | $121.9M | $95.9M | $94.7M | $12.6M | $734K | 0.80% | 3.49% | 1.02% | 10,016 |
| Q2 2025 | $112.3M | $92.6M | $86.9M | $12.5M | $502K | 0.89% | 3.64% | 0.49% | 9,544 |
| Q1 2025 | $105.6M | $93.4M | $75.0M | $12.2M | $237K | 0.90% | 3.72% | 0.42% | 9,253 |
| Q4 2024 | $100.7M | $88.4M | $76.3M | $12.0M | $674K | 0.67% | 3.66% | 0.74% | 9,226 |
| Q3 2024 | $101.2M | $89.1M | $75.3M | $11.7M | $409K | 0.54% | 3.54% | 0.60% | 9,249 |
| Q2 2024 | $100.7M | $88.9M | $75.9M | $11.5M | $135K | 0.27% | 3.52% | 0.43% | 9,267 |
Loan mix (Q1 2026): real estate $14.7M · commercial $0 · consumer $76.5M · securities $18.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.07% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.6% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.62% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 78.7% | 16th | |
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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