ALTON MUNICIPAL EMPLOYEES
Charter #10308 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
ALTON MUNICIPAL EMPLOYEES has 8 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.30% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.8% in tier
- + Net Worth Ratio: Top 3.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.51% below tier average
- - Efficiency ratio 34.43% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Total Deposits: Bottom 2.4% in tier
- - Total Assets: Bottom 3.1% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 4.2% in tier
- - Total Loans: Bottom 5.8% in tier
- - Total Members: Bottom 6.0% in tier
- - Members Per Employee (MPE): Bottom 7.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
243
-3.2% YoY-1.6% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 5.9% in tier |
| Assets |
$472,489
-3.0% YoY-1.6% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.0% in tier |
| Loans |
$351,870
+4.6% YoY+8.4% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.8% in tier |
| Deposits |
$297,463
-2.5% YoY-2.8% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.4% in tier |
| ROA |
-0.8%
+187.3% YoY-24.7% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.4% in tier |
| NIM |
5.2%
-7.9% YoY+7.8% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 10.5% in tier |
| Efficiency Ratio |
115.8%
+10.2% YoY-5.6% QoQ
|
+34.4% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
118.3%
+7.3% YoY+11.4% QoQ
|
+57.1% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 1.0% in tier |
| AMR |
$2,672
+4.6% YoY+4.7% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
22
Loan-to-Share Ratio
balance_sheet
Value:
118.29%
Peer Avg: 61.23%
#22 of 2596
Top 0.8% in <100M tier
87
Net Worth Ratio
risk
Value:
36.30%
Peer Avg: 16.43%
#87 of 2596
Top 3.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
272
Net Interest Margin (NIM)
profitability
Value:
5.23%
Peer Avg: 3.93%
#272 of 2596
Top 10.4% in <100M tier
558
Loan Growth Rate
growth
Value:
4.64%
Peer Avg: 59.01%
#558 of 2596
Top 21.5% in <100M tier
Top Weaknesses (11 metrics)
2534
Total Deposits
balance_sheet
Value:
$297,463
Peer Avg: $25.45M
#2534 of 2596
Bottom 2.4% in <100M tier
2517
Total Assets
balance_sheet
Value:
$472,489
Peer Avg: $29.86M
#2517 of 2596
Bottom 3.1% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2488
Average Member Relationship (AMR)
engagement
Value:
$2,672
Peer Avg: $14,627
#2488 of 2596
Bottom 4.2% in <100M tier
2470
Efficiency Ratio
profitability
Value:
115.83%
Peer Avg: 81.39%
#2470 of 2596
Bottom 4.9% in <100M tier
2446
Total Loans
balance_sheet
Value:
$351,870
Peer Avg: $15.77M
#2446 of 2596
Bottom 5.8% in <100M tier
2442
Total Members
engagement
Value:
243
Peer Avg: 2,626
#2442 of 2596
Bottom 6.0% in <100M tier
2430
Return on Assets (ROA)
profitability
Value:
-0.83%
Peer Avg: 0.68%
#2430 of 2596
Bottom 6.4% in <100M tier
2405
Members Per Employee (MPE)
engagement
Value:
121.500
Peer Avg: 365.701
#2405 of 2596
Bottom 7.4% in <100M tier
2379
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,448
Peer Avg: $5,488
#2379 of 2596
Bottom 8.4% in <100M tier