Kaskaskia Valley

Centralia, IL · 2 · Charter #65988 · www.mykvccu.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
$28.4M
75th percentile
Members
3,630
91th percentile
Total loans
$18.2M
85th percentile
Total shares
$25.7M
78th percentile

Profitability

Return on assets
-0.29%
10th percentile
Net interest margin
4.56%
71th percentile
Efficiency ratio
99.37%
7th percentile
Non-interest income ratio
25.60%
91th percentile

Capital & Risk

Net worth ratio
8.53%
8th percentile
Delinquency rate
1.37%
33th percentile
Net charge-off rate
0.40%
38th percentile
Loan-to-share
70.85%
64th percentile

Growth

Member growth YoY
0.50%
73th percentile
Asset growth YoY
6.10%
80th percentile
Loan growth YoY
0.80%
66th percentile
Share growth YoY
8.69%
89th percentile

Operations

Members / branch
1,210
55th percentile
Assets / member
$7,818
37th percentile
Field of membership penetration
68.72%
84th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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