Illinois Valley

Peru, IL · 2 · Charter #62121 · www.ivcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$37.4M
87th percentile
Members
4,164
95th percentile
Total loans
$27.8M
97th percentile
Total shares
$33.6M
89th percentile

Profitability

Return on assets
0.24%
24th percentile
Net interest margin
4.63%
73th percentile
Efficiency ratio
82.50%
20th percentile
Non-interest income ratio
17.42%
77th percentile

Capital & Risk

Net worth ratio
10.01%
16th percentile
Delinquency rate
0.35%
64th percentile
Net charge-off rate
0.47%
34th percentile
Loan-to-share
82.80%
80th percentile

Growth

Member growth YoY
1.88%
83th percentile
Asset growth YoY
-2.32%
28th percentile
Loan growth YoY
2.73%
72th percentile
Share growth YoY
-2.34%
33th percentile

Operations

Members / branch
2,082
79th percentile
Assets / member
$8,976
47th percentile
Field of membership penetration
10.41%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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