Central Illinois

champaign, IL · 2 · Charter #65186 · www.cicu.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
$24.9M
70th percentile
Members
3,527
90th percentile
Total loans
$12.1M
71th percentile
Total shares
$21.5M
71th percentile

Profitability

Return on assets
1.37%
75th percentile
Net interest margin
4.38%
65th percentile
Efficiency ratio
70.97%
41th percentile
Non-interest income ratio
24.34%
89th percentile

Capital & Risk

Net worth ratio
13.25%
39th percentile
Delinquency rate
2.09%
24th percentile
Net charge-off rate
1.19%
13th percentile
Loan-to-share
56.17%
44th percentile

Growth

Member growth YoY
-2.54%
38th percentile
Asset growth YoY
-8.71%
7th percentile
Loan growth YoY
4.76%
78th percentile
Share growth YoY
-9.65%
8th percentile

Operations

Members / branch
1,764
72th percentile
Assets / member
$7,066
31th percentile
Field of membership penetration
17.64%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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