Western Illinois School Employees

QUINCY, IL · 2 · Charter #65426 · www.WISECU.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
$23.0M
67th percentile
Members
1,672
57th percentile
Total loans
$16.5M
82th percentile
Total shares
$19.0M
66th percentile

Profitability

Return on assets
0.47%
34th percentile
Net interest margin
2.08%
5th percentile
Efficiency ratio
39.58%
92th percentile
Non-interest income ratio
3.23%
25th percentile

Capital & Risk

Net worth ratio
16.54%
59th percentile
Delinquency rate
0.26%
68th percentile
Net charge-off rate
0.09%
62th percentile
Loan-to-share
86.47%
84th percentile

Growth

Member growth YoY
-3.80%
26th percentile
Asset growth YoY
2.83%
61th percentile
Loan growth YoY
-5.63%
38th percentile
Share growth YoY
3.07%
64th percentile

Operations

Members / branch
1,672
69th percentile
Assets / member
$13,774
80th percentile
Field of membership penetration
100.00%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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