Empeople

Moline, IL · 2 · Charter #68598 · www.empeople.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.3B
52th percentile
Members
76,715
25th percentile
Total loans
$1.9B
61th percentile
Total shares
$2.1B
59th percentile

Profitability

Return on assets
0.52%
20th percentile
Net interest margin
2.73%
23th percentile
Efficiency ratio
49.60%
60th percentile
Non-interest income ratio
23.08%
78th percentile

Capital & Risk

Net worth ratio
7.85%
2th percentile
Delinquency rate
0.54%
67th percentile
Net charge-off rate
0.48%
51th percentile
Loan-to-share
93.41%
61th percentile

Growth

Member growth YoY
-0.78%
20th percentile
Asset growth YoY
1.49%
18th percentile
Loan growth YoY
4.11%
44th percentile
Share growth YoY
1.10%
15th percentile

Operations

Members / branch
2,131
0th percentile
Assets / member
$29,718
94th percentile
Field of membership penetration
7.44%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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