ILLINOIS STATE POLICE
Charter #17335 | IL
100M-500M
(1077 CUs)
Micro
($0-$500M)
31 100M-500M in IL
ILLINOIS STATE POLICE has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.8% in tier
- + Wallet Share Momentum: Top 6.8% in tier
- + Emerging Performer: Top 27.9% in tier
- + Share Certificate Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 4.9% in tier
- - Membership Headwinds: Bottom 17.4% in tier
- - Stagnation Risk: Bottom 19.2% in tier
- - Institutional Decline: Bottom 29.3% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 2.37% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Total Loans: Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 5.3% in tier
- - Total Members: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,166
-2.4% YoY-0.3% QoQ
|
-9.5K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 6.1% in tier |
| Assets |
$120.5M
+7.9% YoY-0.2% QoQ
|
$-110.8M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.3% in tier |
| Loans |
$28.8M
-2.2% YoY-0.1% QoQ
|
$-119.0M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.8% in tier |
| Deposits |
$107.8M
+8.1% YoY-0.6% QoQ
|
$-92.5M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.5% in tier |
| ROA |
0.5%
-57.6% YoY+42.8% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
36th in tier |
| NIM |
2.9%
-19.3% YoY+5.9% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio |
79.6%
+21.6% YoY-4.4% QoQ
|
+2.4% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
60th in tier |
| Delinquency Rate |
0.3%
-46.5% YoY+481.1% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 18.0% in tier |
| Loan To Share |
26.7%
-9.6% YoY+0.5% QoQ
|
-46.0% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$22,156
+8.3% YoY-0.2% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
48th in tier |
| CD Concentration |
3.5%
-10.9% YoY-2.9% QoQ
|
-20.9% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
1.5%
-50.4% YoY-8.9% QoQ
|
-12.5% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#22 of 1006 • Top 0.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
8.33%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$5.4K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#189 of 1006 • Top 6.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
8.33%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Emerging Performer
growth
#524 of 627 • Top 27.9% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.55%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.39%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (4)
Cost Spiral
risk
#13 of 62 • Bottom 4.9% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
14.16% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$120.46M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
Membership Headwinds
decline
#287 of 550 • Bottom 17.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.39%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#316 of 550 • Bottom 19.2% 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:
0.55%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.39%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$22.2K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
3.52%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Institutional Decline
decline
#232 of 256 • Bottom 29.3% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$120.46M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-2.39%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-2.25%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 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)
Top Strengths (5 metrics)
40
Share Certificate Concentration (%)
balance_sheet
Value:
3.52%
Peer Avg: 23.61%
#40 of 1077
Top 3.6% in 100M-500M tier
147
AMR Growth Rate
growth
Value:
8.33%
Peer Avg: 3.64%
#147 of 1077
Top 13.6% in 100M-500M tier
195
Total Delinquency Rate (60+ days)
risk
Value:
0.29%
Peer Avg: 0.86%
#195 of 1077
Top 18.0% in 100M-500M tier
213
Deposit Growth Rate
growth
Value:
8.10%
Peer Avg: 4.69%
#213 of 1077
Top 19.7% in 100M-500M tier
219
Asset Growth Rate
growth
Value:
7.90%
Peer Avg: 4.70%
#219 of 1077
Top 20.2% in 100M-500M tier
Top Weaknesses (10 metrics)
1068
Total Loans
balance_sheet
Value:
$28.83M
Peer Avg: $147.80M
#1068 of 1077
Bottom 0.9% in 100M-500M tier
1066
Loan-to-Share Ratio
balance_sheet
Value:
26.75%
Peer Avg: 72.70%
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1027
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,676
Peer Avg: $10,245
#1027 of 1077
Bottom 4.7% in 100M-500M tier
1021
Fee Income Per Member
profitability
Value:
$70.45
Peer Avg: $174.31
#1021 of 1077
Bottom 5.3% in 100M-500M tier
1011
Total Members
engagement
Value:
6,166
Peer Avg: 15,628
#1011 of 1077
Bottom 6.2% in 100M-500M tier
934
Total Assets
balance_sheet
Value:
$120.46M
Peer Avg: $231.30M
#934 of 1077
Bottom 13.4% in 100M-500M tier
916
Net Interest Margin (NIM)
profitability
Value:
2.88%
Peer Avg: 3.58%
#916 of 1077
Bottom 15.0% in 100M-500M tier
899
Total Deposits
balance_sheet
Value:
$107.78M
Peer Avg: $200.29M
#899 of 1077
Bottom 16.6% in 100M-500M tier
834
Member Growth Rate
growth
Value:
-2.39%
Peer Avg: 0.72%
#834 of 1077
Bottom 22.7% in 100M-500M tier
817
Loan Growth Rate
growth
Value:
-2.25%
Peer Avg: 3.45%
#817 of 1077
Bottom 24.2% in 100M-500M tier