Mattoon, Illinois · Peer group 3
Area Educational Credit Union
Area Educational Credit Union holds $33.2M in assets across 2,325 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1960. Charter number 62500, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $33.2M |
|---|---|
| Total loans | $12.7M |
| Total shares (deposits) | $26.4M |
| Net worth | $6.8M |
| Members | 2,325 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.5% | |
|---|---|---|
| Loans | -7.6% | around the 26th percentile of its peer group |
| Deposits | 4.7% | around the 74th percentile of its peer group |
| Members | -1.0% | around the 55th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 48.1% | around the 33rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 20.4% | around the 86th percentile of its peer group |
| Return on assets | 1.50% | around the 86th percentile of its peer group |
| Delinquency ratio | 0.24% | around the 32nd percentile of its peer group |
| Cash / assets | 17.1% | around the 76th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Area Educational Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Illinois — the comparison set a peer ratio is measured against.
- Canals & Trails Credit Union
Lockport, IL
$34.6M · 3,119 members
- Service Plus Credit Union
Moline, IL
$35.4M · 1,592 members
- Elca Credit Union
Chicago, IL
$35.5M · 2,352 members
- Siue Credit Union
Edwardsville, IL
$30.0M · 1,633 members
- River to River Credit Union
Vienna, IL
$29.2M · 2,443 members
- Kaskaskia Valley Credit Union
Centralia, IL
$29.0M · 3,462 members
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