UNIFIED HOMEOWNERS OF ILLINOIS
Charter #24767 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
UNIFIED HOMEOWNERS OF ILLINOIS has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.51% 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 12.43% below tier average
- - Efficiency ratio 104.30% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Total Assets: Bottom 3.6% in tier
- - Total Loans: Bottom 4.3% in tier
- - Total Deposits: Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
- - Total Members: Bottom 8.0% in tier
- - Members Per Employee (MPE): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
298
-0.7% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 7.9% in tier |
| Assets |
$576,258
-12.5% YoY-2.6% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.6% in tier |
| Loans |
$206,967
+3.7% YoY-2.5% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.2% in tier |
| Deposits |
$515,287
+0.6% YoY-5.8% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.2% in tier |
| ROA |
-11.7%
-24.3% YoY-47.5% QoQ
|
-12.4% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.5% in tier |
| NIM |
5.4%
+0.9% YoY+6.7% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
185.7%
-7.0% YoY-42.5% QoQ
|
+104.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.4% in tier |
| Delinquency Rate | 0.0% | -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 |
40.2%
+3.1% YoY+3.5% QoQ
|
-21.1% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 19.3% in tier |
| AMR |
$2,424
+2.1% YoY-4.9% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.5% in tier |
| CD Concentration |
7.8%
-7.5% YoY+3.5% QoQ
|
-16.6% |
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 (7 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
201
Net Interest Margin (NIM)
profitability
Value:
5.44%
Peer Avg: 3.93%
#201 of 2596
Top 7.7% 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
300
Fee Income Per Member
profitability
Value:
$162.07
Peer Avg: $182.96
#300 of 2596
Top 11.5% in <100M tier
644
Loan Growth Rate
growth
Value:
3.70%
Peer Avg: 59.01%
#644 of 2596
Top 24.8% in <100M tier
Top Weaknesses (12 metrics)
2584
Return on Assets (ROA)
profitability
Value:
-11.75%
Peer Avg: 0.68%
#2584 of 2596
Bottom 0.5% in <100M tier
2560
Efficiency Ratio
profitability
Value:
185.70%
Peer Avg: 81.39%
#2560 of 2596
Bottom 1.4% in <100M tier
2513
Asset Growth Rate
growth
Value:
-12.54%
Peer Avg: 1.82%
#2513 of 2596
Bottom 3.2% in <100M tier
2504
Average Member Relationship (AMR)
engagement
Value:
$2,424
Peer Avg: $14,627
#2504 of 2596
Bottom 3.6% in <100M tier
2503
Total Assets
balance_sheet
Value:
$576,258
Peer Avg: $29.86M
#2503 of 2596
Bottom 3.6% in <100M tier
2486
Total Loans
balance_sheet
Value:
$206,967
Peer Avg: $15.77M
#2486 of 2596
Bottom 4.3% in <100M tier
2486
Total Deposits
balance_sheet
Value:
$515,287
Peer Avg: $25.45M
#2486 of 2596
Bottom 4.3% in <100M tier
2477
Loan-to-Member Ratio (LMR)
engagement
Value:
$694.52
Peer Avg: $5,488
#2477 of 2596
Bottom 4.6% in <100M tier
2390
Total Members
engagement
Value:
298
Peer Avg: 2,626
#2390 of 2596
Bottom 8.0% in <100M tier
2347
Members Per Employee (MPE)
engagement
Value:
149.000
Peer Avg: 365.701
#2347 of 2596
Bottom 9.6% in <100M tier