Effingham Highway

Effingham, IL · 3 · Charter #81553
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
$5.6M
28th percentile
Members
1,011
37th percentile
Total loans
$4.4M
39th percentile
Total shares
$4.5M
28th percentile

Profitability

Return on assets
2.77%
97th percentile
Net interest margin
5.60%
92th percentile
Efficiency ratio
42.85%
90th percentile
Non-interest income ratio
2.64%
22th percentile

Capital & Risk

Net worth ratio
19.62%
73th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.64%
27th percentile
Loan-to-share
96.60%
92th percentile

Growth

Member growth YoY
-3.81%
26th percentile
Asset growth YoY
-1.53%
32th percentile
Loan growth YoY
-2.26%
53th percentile
Share growth YoY
-4.43%
23th percentile

Operations

Members / branch
1,011
47th percentile
Assets / member
$5,558
20th percentile
Field of membership penetration
91.91%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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