Springfield City Employees

Springfield, IL · 2 · Charter #65424 · www.scecu.org
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
$12.7M
48th percentile
Members
1,267
45th percentile
Total loans
$7.7M
57th percentile
Total shares
$10.5M
49th percentile

Profitability

Return on assets
1.12%
64th percentile
Net interest margin
3.99%
50th percentile
Efficiency ratio
67.66%
48th percentile
Non-interest income ratio
8.96%
49th percentile

Capital & Risk

Net worth ratio
16.92%
61th percentile
Delinquency rate
0.44%
60th percentile
Net charge-off rate
0.14%
56th percentile
Loan-to-share
73.37%
68th percentile

Growth

Member growth YoY
-4.31%
21th percentile
Asset growth YoY
5.60%
77th percentile
Loan growth YoY
0.77%
66th percentile
Share growth YoY
5.50%
78th percentile

Operations

Members / branch
1,267
57th percentile
Assets / member
$9,989
55th percentile
Field of membership penetration
72.40%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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