Joliet Municipal Employees

joliet, IL · 1 · Charter #16437 · www.jolietmunicipal.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
$10.9M
44th percentile
Members
875
32th percentile
Total loans
$6.7M
53th percentile
Total shares
$9.6M
47th percentile

Profitability

Return on assets
0.61%
41th percentile
Net interest margin
3.14%
23th percentile
Efficiency ratio
46.25%
87th percentile
Non-interest income ratio
1.57%
17th percentile

Capital & Risk

Net worth ratio
10.98%
23th percentile
Delinquency rate
0.28%
67th percentile
Net charge-off rate
0.70%
24th percentile
Loan-to-share
69.69%
63th percentile

Growth

Member growth YoY
0.81%
76th percentile
Asset growth YoY
-5.13%
16th percentile
Loan growth YoY
-15.36%
11th percentile
Share growth YoY
4.42%
72th percentile

Operations

Members / branch
875
41th percentile
Assets / member
$12,490
74th percentile
Field of membership penetration
72.92%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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