I.L.W.U.
Charter #24916 | CA
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
10 500M-750M in CA
I.L.W.U. shows strong momentum with 7 strengths and 12.3% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 1.8% in tier
- + Organic Growth Leader: Top 1.9% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.29% above tier average
- + Strong member growth: 12.3% YoY
- + Member Growth Rate: Top 4.7% in tier
- + Deposit Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,671
+12.3% YoY+9.3% QoQ
|
-9.1K |
39,752
-2.7% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 18.9% in tier |
| Assets |
$561.5M
+8.5% YoY+7.7% QoQ
|
$-60.9M |
$622.4M
+0.3% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
26th in tier |
| Loans |
$401.6M
+10.7% YoY+10.0% QoQ
|
$-34.3M |
$435.9M
-0.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
34th in tier |
| Deposits |
$508.5M
+12.8% YoY+7.2% QoQ
|
$-29.5M |
$538.0M
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
1.1%
+38.8% YoY-6.0% QoQ
|
+0.5% |
0.7%
+33.9% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 15.4% in tier |
| NIM |
3.7%
+20.6% YoY+5.6% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
73rd in tier |
| Efficiency Ratio |
73.6%
-4.3% YoY+2.5% QoQ
|
-4.5% |
78.1%
-3.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
28th in tier |
| Delinquency Rate |
0.6%
-9.0% YoY-34.5% QoQ
|
-0.2 |
0.8%
-4.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
48th in tier |
| Loan To Share |
79.0%
-1.9% YoY+2.6% QoQ
|
-2.0% |
81.0%
-1.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$29,675
-0.4% YoY-0.8% QoQ
|
+$3K |
$26,482
+2.6% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
74th in tier |
| CD Concentration |
33.5%
-7.1% YoY-9.0% QoQ
|
+9.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Top 19.9% in tier |
| Indirect Auto % |
0.4%
-24.3% YoY-22.1% QoQ
|
-13.5% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
34th in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growth
#33 of 603 • Top 1.8% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
12.27%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.13%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.44%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#26 of 430 • Top 1.9% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
12.27%
(Tier:
0.88%, National:
9.37%)
430 of 281 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank improving
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)
9
Member Growth Rate
growth
Value:
12.27%
Peer Avg: 1.75%
#9 of 169
Top 4.7% in 500M-750M tier
12
Deposit Growth Rate
growth
Value:
12.83%
Peer Avg: 5.25%
#12 of 169
Top 6.5% in 500M-750M tier
25
Loan Growth Rate
growth
Value:
10.69%
Peer Avg: 4.04%
#25 of 169
Top 14.2% in 500M-750M tier
26
Return on Assets (ROA)
profitability
Value:
1.13%
Peer Avg: 0.66%
#26 of 169
Top 14.8% in 500M-750M tier
29
Asset Growth Rate
growth
Value:
8.54%
Peer Avg: 4.33%
#29 of 169
Top 16.6% in 500M-750M tier
42
Indirect Auto Concentration (%)
balance_sheet
Value:
0.44%
Peer Avg: 16.19%
#42 of 169
Top 24.3% in 500M-750M tier
Top Weaknesses (3 metrics)
137
Total Members
engagement
Value:
30,671
Peer Avg: 39,752
#137 of 169
Bottom 19.5% in 500M-750M tier
136
AMR Growth Rate
growth
Value:
-0.36%
Peer Avg: 3.12%
#136 of 169
Bottom 20.1% in 500M-750M tier
136
Share Certificate Concentration (%)
balance_sheet
Value:
33.47%
Peer Avg: 26.87%
#136 of 169
Bottom 20.1% in 500M-750M tier