Area Educational

MATTOON, IL · 2 · Charter #62500 · www.myaecu.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
$31.9M
80th percentile
Members
2,341
74th percentile
Total loans
$12.9M
74th percentile
Total shares
$25.2M
77th percentile

Profitability

Return on assets
0.80%
50th percentile
Net interest margin
2.88%
16th percentile
Efficiency ratio
44.38%
89th percentile
Non-interest income ratio
1.05%
14th percentile

Capital & Risk

Net worth ratio
20.82%
76th percentile
Delinquency rate
0.54%
56th percentile
Net charge-off rate
0.31%
43th percentile
Loan-to-share
51.26%
36th percentile

Growth

Member growth YoY
-0.64%
59th percentile
Asset growth YoY
5.85%
79th percentile
Loan growth YoY
-6.67%
34th percentile
Share growth YoY
6.54%
82th percentile

Operations

Members / branch
2,341
84th percentile
Assets / member
$13,625
79th percentile
Field of membership penetration
58.53%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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