R.I.A.

Charter #17117 | IL

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in IL

R.I.A. has 3 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 11.3% in tier
  • + Wallet Share Momentum: Top 12.3% in tier
  • + Net Interest Margin 0.41% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.8% in tier
  • - Stagnation Risk: Bottom 30.6% in tier
  • - Membership Headwinds: Bottom 33.0% in tier
  • - ROA 0.35% below tier average
  • - Efficiency ratio 1.59% above tier (higher cost structure)
  • - Net Charge-Off Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 40,206
-0.6% YoY-0.0% QoQ
 +453 39,752
-2.7% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 57th in tier
Assets $641.6M
+5.6% YoY+0.9% QoQ
 +$19.2M $622.4M
+0.3% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 59th in tier
Loans $490.9M
+6.0% YoY+1.6% QoQ
 +$55.0M $435.9M
-0.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $597.1M
+5.4% YoY+0.7% QoQ
 +$59.0M $538.0M
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Top 22.5% in tier
ROA 0.3%
+24.1% YoY+43.9% QoQ
 -0.3% 0.7%
+33.9% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 28th in tier
NIM 3.8%
-0.5% YoY+1.6% QoQ
 +0.4% 3.4%
+8.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Top 21.3% in tier
Efficiency Ratio 79.7%
+10.7% YoY-0.8% QoQ
 +1.6% 78.1%
-3.4% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 57th in tier
Delinquency Rate 0.8%
-4.0% YoY+8.5% QoQ
 -0.0 0.8%
-4.9% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 59th in tier
Loan To Share 82.2%
+0.5% YoY+0.9% QoQ
 +1.2% 81.0%
-1.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 48th in tier
AMR $27,060
+6.3% YoY+1.1% QoQ
 +$579 $26,482
+2.6% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 63rd in tier
CD Concentration 29.7%
+12.8% YoY+1.2% QoQ
 +5.3% 24.4%
+4.2% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 70th in tier
Indirect Auto % 27.7%
+3.1% YoY+4.5% QoQ
 +13.7% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Top 19.8% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#313 of 1006 • Top 11.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#339 of 1006 • Top 12.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Indirect Auto Dependency

risk
#174 of 525 • Bottom 10.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.65%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 27.66%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#504 of 550 • Bottom 30.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.31%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.1K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 29.75%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#543 of 550 • Bottom 33.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.55%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (3 metrics)

36
Net Interest Margin (NIM)
profitability
Value: 3.84%
Peer Avg: 3.43%
#36 of 169 Top 20.7% in 500M-750M tier
38
Total Deposits
balance_sheet
Value: $597.07M
Peer Avg: $538.02M
#38 of 169 Top 21.9% in 500M-750M tier
43
AMR Growth Rate
growth
Value: 6.27%
Peer Avg: 3.12%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (3 metrics)

154
Net Charge-Off Rate
risk
Value: 1.09%
Peer Avg: 0.51%
#154 of 169 Bottom 9.5% in 500M-750M tier
149
Net Worth Ratio
risk
Value: 8.50%
Peer Avg: 10.94%
#149 of 169 Bottom 12.4% in 500M-750M tier
132
Indirect Auto Concentration (%)
balance_sheet
Value: 27.66%
Peer Avg: 16.19%
#132 of 169 Bottom 22.5% in 500M-750M tier