Carbondale Highway

Carbondale, IL · 2 · Charter #65427
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
681
24th percentile
Total loans
$2.6M
27th percentile
Total shares
$4.7M
29th percentile

Profitability

Return on assets
0.26%
25th percentile
Net interest margin
4.81%
78th percentile
Efficiency ratio
92.21%
11th percentile
Non-interest income ratio
1.12%
15th percentile

Capital & Risk

Net worth ratio
15.27%
52th percentile
Delinquency rate
0.04%
82th percentile
Net charge-off rate
-0.02%
92th percentile
Loan-to-share
54.17%
41th percentile

Growth

Member growth YoY
-2.58%
37th percentile
Asset growth YoY
-4.17%
19th percentile
Loan growth YoY
2.54%
72th percentile
Share growth YoY
-4.86%
21th percentile

Operations

Members / branch
681
32th percentile
Assets / member
$8,221
41th percentile
Field of membership penetration
22.70%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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