I.B.E.W. Local #146

Decatur, IL · 2 · Charter #65840 · www.ibew146cu.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
$5.1M
25th percentile
Members
650
23th percentile
Total loans
$1.9M
22th percentile
Total shares
$4.5M
27th percentile

Profitability

Return on assets
1.28%
71th percentile
Net interest margin
4.39%
65th percentile
Efficiency ratio
70.71%
41th percentile
Non-interest income ratio
3.56%
27th percentile

Capital & Risk

Net worth ratio
12.34%
33th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.30%
98th percentile
Loan-to-share
43.33%
26th percentile

Growth

Member growth YoY
2.36%
86th percentile
Asset growth YoY
3.19%
64th percentile
Loan growth YoY
-6.28%
36th percentile
Share growth YoY
2.14%
59th percentile

Operations

Members / branch
650
30th percentile
Assets / member
$7,882
38th percentile
Field of membership penetration
81.25%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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