Salem School System

Salem, IL · 2 · Charter #65346 · www.salemschoolscreditunion.
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
$2.2M
13th percentile
Members
368
13th percentile
Total loans
$1.7M
20th percentile
Total shares
$1.5M
12th percentile

Profitability

Return on assets
1.19%
67th percentile
Net interest margin
4.65%
74th percentile
Efficiency ratio
50.58%
82th percentile
Non-interest income ratio
0.04%
5th percentile

Capital & Risk

Net worth ratio
31.14%
93th percentile
Delinquency rate
1.13%
38th percentile
Net charge-off rate
0.49%
33th percentile
Loan-to-share
112.99%
97th percentile

Growth

Member growth YoY
-0.54%
60th percentile
Asset growth YoY
4.06%
68th percentile
Loan growth YoY
1.45%
68th percentile
Share growth YoY
4.10%
70th percentile

Operations

Members / branch
368
17th percentile
Assets / member
$5,906
22th percentile
Field of membership penetration
73.60%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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