Normal City Employees

Normal, IL · 1 · Charter #14972 · www.ncefcu.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
$4.4M
22th percentile
Members
596
21th percentile
Total loans
$3.0M
31th percentile
Total shares
$3.9M
25th percentile

Profitability

Return on assets
0.49%
34th percentile
Net interest margin
2.92%
17th percentile
Efficiency ratio
66.76%
50th percentile
Non-interest income ratio
0.17%
7th percentile

Capital & Risk

Net worth ratio
11.73%
28th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.05%
94th percentile
Loan-to-share
75.28%
70th percentile

Growth

Member growth YoY
-0.50%
61th percentile
Asset growth YoY
-5.11%
16th percentile
Loan growth YoY
0.55%
65th percentile
Share growth YoY
-6.29%
16th percentile

Operations

Members / branch
596
27th percentile
Assets / member
$7,459
34th percentile
Field of membership penetration
59.60%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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