Select Employees Credit Union
Total assets
$78.7M
▲ +8.9% YoY
Shares & deposits
$68.7M
▲ +8.4% YoY
Loans
$47.7M
▲ +2.8% YoY
Members
5,836
▲ +2.6% YoY
ROA (annualized)
1.61%
peers 0.60%
ROE (annualized)
13.13%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +1.3% | +7.6 pts |
| Share growth (YoY) | +8.4% | +0.7% | +7.7 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.1 pts |
| ROA | 1.61% | 0.60% | +1.0 pts |
| ROE | 13.1% | 4.1% | +9.0 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- P.O. Box 636, Sterling, IL, 61081
- NCUA charter #
- 60531
- RSSD ID
- 489191
- 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 | $78.7M | $68.7M | $47.7M | $9.7M | $317K | 1.61% | 3.48% | 0.10% | 5,836 |
| Q4 2025 | $75.8M | $66.2M | $48.7M | $9.3M | $1.2M | 1.61% | 3.70% | 0.53% | 5,805 |
| Q3 2025 | $72.7M | $63.3M | $49.9M | $9.2M | $1.0M | 1.91% | 3.86% | 0.41% | 5,830 |
| Q2 2025 | $72.2M | $63.1M | $49.2M | $8.8M | $718K | 1.99% | 3.91% | 0.12% | 5,750 |
| Q1 2025 | $72.2M | $63.4M | $46.5M | $8.6M | $412K | 2.28% | 3.92% | 0.56% | 5,689 |
| Q4 2024 | $68.1M | $59.7M | $45.1M | $8.1M | $1.4M | 2.01% | 4.38% | 0.78% | 5,617 |
| Q3 2024 | $66.8M | $58.6M | $42.6M | $7.9M | $1.1M | 2.22% | 4.50% | 0.55% | 5,621 |
| Q2 2024 | $67.3M | $59.3M | $40.5M | $7.6M | $823K | 2.45% | 4.47% | 0.07% | 5,552 |
Loan mix (Q1 2026): real estate $12.0M · commercial $0 · consumer $34.1M · securities $12.7M
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 | 1.61% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.83% | 35th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 81.5% | 19th | |
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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