credit union · NCUA 81553 · IL
How big is EFFINGHAM HIGHWAY?
EFFINGHAM HIGHWAY (IL, NCUA charter 81553) reported total assets of $5.9M, 988 members and a net worth ratio of 19.83% in its Call Report for 2026Q2. That ranks 3763 of 4,299 federally insured credit unions by assets, 235 of 771 among credit unions under $10m in assets, 136 of 188 credit unions in illinois.
What stands out
EFFINGHAM HIGHWAY (IL, NCUA charter 81553) reported total assets of $5.9M, 988 members and a net worth ratio of 19.83% in its Call Report for 2026Q2. That ranks 3763 of 4,299 federally insured credit unions by assets, 235 of 771 among credit unions under $10m in assets, 136 of 188 credit unions in illinois. Against its size class: net worth ratio 19.83%, above the peer median of 17.92%; loan-to-share ratio 102.83%, above the peer median of 58.16%; return on assets 2.22%, above the peer median of 0.45%. At 19.83% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $5.9M | $4.0M | $23.9M | $68.3M | record → |
| Shares and deposits | $4.7M | $3.1M | $20.3M | $58.3M | record → |
| Loans outstanding | $4.8M | $1.7M | $11.9M | $34.4M | record → |
| Net income (year to date) | $65.4k | $5.3k | $75.2k | $222.2k | record → |
| Net worth | $1.2M | $672.6k | $3.4M | $9.0M | record → |
| Net worth ratio | 19.83% | 17.92% | 13.93% | 12.65% | record → |
| Loan-to-share ratio | 102.83% | 58.16% | 62.03% | 68.70% | computed |
| Return on assets | 2.22% | 0.45% | 0.75% | 0.71% | computed |
| Members | 988 | 584 | 2,288 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $5.9M | $4.7M | $4.8M | $65.4k | 19.83% | 988 | 3763 |
| 2026Q1 | $5.8M | $4.7M | $4.8M | $36.5k | 19.49% | 1,010 | 3785 |
| 2025Q4 | $5.6M | $4.5M | $4.4M | $155.5k | 19.62% | 1,011 | 3825 |
| 2025Q3 | $5.6M | $4.5M | $4.4M | $113.7k | 18.97% | 1,010 | 3862 |
| 2025Q2 | $5.7M | $4.7M | $4.4M | $82.0k | 17.96% | 1,019 | 3889 |
| 2025Q1 | $5.7M | $4.7M | $4.2M | $34.9k | 17.25% | 1,039 | 3924 |
| 2024Q4 | $5.7M | $4.7M | $4.5M | $116.1k | 17.03% | 1,051 | 3952 |
| 2024Q3 | $5.7M | $4.8M | $4.5M | $80.5k | 16.36% | 1,050 | 3985 |
| 2024Q2 | $5.7M | $4.8M | $4.5M | $52.1k | 16.02% | 1,054 | 4018 |
| 2024Q1 | $5.5M | $4.6M | $4.5M | $20.5k | 15.98% | 1,053 | 4073 |
| 2023Q4 | $5.7M | $4.6M | $4.8M | $80.2k | 15.01% | 1,049 | 4079 |
| 2023Q3 | $5.9M | $4.9M | $5.0M | $54.0k | 13.98% | 1,053 | 4093 |
| 2023Q2 | $6.1M | $5.3M | $4.9M | $38.3k | 13.26% | 1,052 | 4103 |
| 2023Q1 | $6.2M | $5.4M | $4.7M | $20.1k | 12.78% | 1,044 | 4123 |
| 2022Q4 | $6.3M | $5.5M | $4.5M | $76.3k | 12.39% | 1,045 | 4154 |
| 2022Q3 | $6.4M | $5.7M | $4.3M | $47.7k | 10.97% | 1,040 | 4188 |
| 2022Q2 | $6.6M | $5.9M | $4.0M | $29.8k | 10.41% | 1,037 | 4202 |
| 2022Q1 | $6.4M | $5.7M | $4.0M | $19.4k | 10.54% | 1,038 | 4256 |
| 2021Q4 | $6.2M | $5.6M | $4.0M | $67.4k | 10.47% | 1,041 | 4284 |
| 2021Q3 | $6.2M | $5.5M | $4.0M | $89.9k | 10.31% | 1,055 | 4321 |
| 2021Q2 | $6.0M | $5.3M | $4.1M | $38.1k | 10.45% | 1,060 | 4359 |
| 2021Q1 | $5.9M | $5.3M | $4.0M | $18.4k | 10.21% | 1,058 | 4389 |
| 2020Q4 | $5.7M | $5.1M | $4.1M | $71.7k | 10.32% | 1,056 | 4405 |
| 2020Q3 | $5.7M | $5.1M | $4.1M | $53.6k | 10.02% | 1,048 | 4410 |
| 2020Q2 | $5.4M | $4.9M | $4.0M | $37.8k | 10.12% | 1,055 | 4448 |
| 2020Q1 | $5.2M | $4.6M | $3.9M | $21.0k | 10.32% | 1,054 | 4468 |
| 2019Q4 | $5.1M | $4.6M | $3.9M | $18.8k | 10.02% | 1,053 | 4488 |
| 2019Q3 | $5.1M | $4.5M | $4.0M | $19.3k | 10.97% | 1,053 | 4517 |
| 2019Q2 | $5.3M | $4.7M | $4.2M | $20.2k | 10.57% | 1,060 | 4519 |
| 2019Q1 | $5.3M | $4.7M | $4.0M | $12.0k | 10.49% | 1,053 | 4542 |
| 2018Q4 | $5.1M | $4.5M | $3.9M | $37.6k | 10.64% | 1,060 | 4585 |
| 2018Q3 | $5.2M | $4.6M | $3.8M | $32.4k | 10.38% | 1,060 | 4608 |
| 2018Q2 | $5.2M | $4.7M | $3.8M | $19.9k | 10.04% | 1,063 | 4640 |
| 2018Q1 | $5.1M | $4.6M | $3.8M | $11.8k | 10.03% | 1,071 | 4681 |
| 2017Q4 | $5.1M | $4.6M | $3.7M | $-3.6k | 9.92% | 1,066 | 4707 |
| 2017Q3 | $5.1M | $4.6M | $3.9M | $25.5k | 10.36% | 1,062 | 4745 |
| 2017Q2 | $5.2M | $4.7M | $3.7M | $18.6k | 10.05% | 1,065 | 4767 |
| 2017Q1 | $5.2M | $4.7M | $3.5M | $8.6k | 9.88% | 1,064 | 4804 |
| 2016Q4 | $5.1M | $4.6M | $3.3M | $3.8k | 9.90% | 1,057 | 4832 |
| 2016Q3 | $5.1M | $4.6M | $3.2M | $4.3k | 9.98% | 1,057 | 4873 |
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