DISTRICT 123
Charter #17023 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
DISTRICT 123 has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- + Net Worth Ratio: Top 3.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.98% below tier average
- - Efficiency ratio 134.08% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 3.3% in tier
- - Deposit Growth Rate: Bottom 6.5% in tier
- - Total Loans: Bottom 6.6% in tier
- - Total Members: Bottom 7.1% in tier
- - Asset Growth Rate: Bottom 7.3% in tier
- - Total Deposits: Bottom 8.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
268
-0.4% YoY-0.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 7.0% in tier |
| Assets |
$2.0M
-8.3% YoY-5.9% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.0% in tier |
| Loans |
$422,071
-29.2% YoY-12.4% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.6% in tier |
| Deposits |
$1.3M
-10.8% YoY-7.4% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.6% in tier |
| ROA |
-1.3%
-1034.1% YoY-2102.7% QoQ
|
-2.0% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.5% in tier |
| NIM |
1.2%
-48.9% YoY-50.3% QoQ
|
-2.7% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.9% in tier |
| Efficiency Ratio |
215.5%
+128.8% YoY+120.5% QoQ
|
+134.1% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-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 |
31.4%
-20.6% YoY-5.4% QoQ
|
-29.8% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.1% in tier |
| AMR |
$6,584
-15.7% YoY-8.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.6% 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 (6 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
102
Net Worth Ratio
risk
Value:
33.87%
Peer Avg: 16.43%
#102 of 2596
Top 3.9% 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
Top Weaknesses (15 metrics)
2582
Fee Income Per Member
profitability
Value:
$-6.74
Peer Avg: $182.96
#2582 of 2596
Bottom 0.6% in <100M tier
2573
Net Interest Margin (NIM)
profitability
Value:
1.21%
Peer Avg: 3.93%
#2573 of 2596
Bottom 0.9% in <100M tier
2569
Efficiency Ratio
profitability
Value:
215.47%
Peer Avg: 81.39%
#2569 of 2596
Bottom 1.1% in <100M tier
2528
Loan Growth Rate
growth
Value:
-29.22%
Peer Avg: 59.01%
#2528 of 2596
Bottom 2.7% in <100M tier
2511
AMR Growth Rate
growth
Value:
-15.73%
Peer Avg: 4.67%
#2511 of 2596
Bottom 3.3% in <100M tier
2478
Return on Assets (ROA)
profitability
Value:
-1.29%
Peer Avg: 0.68%
#2478 of 2596
Bottom 4.6% in <100M tier
2428
Deposit Growth Rate
growth
Value:
-10.82%
Peer Avg: 16.80%
#2428 of 2596
Bottom 6.5% in <100M tier
2425
Total Loans
balance_sheet
Value:
$422,071
Peer Avg: $15.77M
#2425 of 2596
Bottom 6.6% in <100M tier
2413
Total Members
engagement
Value:
268
Peer Avg: 2,626
#2413 of 2596
Bottom 7.1% in <100M tier
2408
Asset Growth Rate
growth
Value:
-8.26%
Peer Avg: 1.82%
#2408 of 2596
Bottom 7.3% in <100M tier