SIU

Charter #60279 | IL

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

SIU has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.6% in tier
  • + Relationship Depth Leader: Top 7.8% in tier
  • + Organic Growth Engine: Top 24.8% in tier
  • + ROA 0.30% above tier average
  • + Net Interest Margin 0.16% above tier average
  • + Loan Growth Rate: Top 5.3% in tier
  • + First Mortgage Concentration (%): Top 5.3% in tier
  • + AMR Growth Rate: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.7% in tier
  • - Growth-at-Risk: Bottom 6.6% in tier
  • - Credit Quality Pressure: Bottom 18.8% in tier
  • - Indirect Auto Concentration (%): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 45,632
+1.9% YoY+1.8% QoQ
 +5.9K 39,752
-2.7% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 73rd in tier
Assets $543.2M
+9.3% YoY+0.2% QoQ
 $-79.2M $622.4M
+0.3% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Bottom 17.8% in tier
Loans $385.2M
+18.2% YoY+5.7% QoQ
 $-50.8M $435.9M
-0.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Bottom 24.9% in tier
Deposits $476.3M
+8.7% YoY-0.1% QoQ
 $-61.7M $538.0M
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Bottom 20.7% in tier
ROA 1.0%
+10.8% YoY-0.1% QoQ
 +0.3% 0.7%
+33.9% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 74th in tier
NIM 3.6%
+10.7% YoY+1.3% QoQ
 +0.2% 3.4%
+8.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 68.9%
-4.1% YoY-1.9% QoQ
 -9.2% 78.1%
-3.4% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Bottom 14.8% in tier
Delinquency Rate 0.7%
+20.0% YoY+55.7% QoQ
 -0.1 0.8%
-4.9% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 80.9%
+8.8% YoY+5.9% QoQ
 -0.2% 81.0%
-1.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $18,880
+10.7% YoY+0.6% QoQ
 $-8K $26,482
+2.6% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 10.1% in tier
CD Concentration 23.3%
+6.9% YoY+7.6% QoQ
 -1.1% 24.4%
+4.2% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 46th in tier
Indirect Auto % 43.0%
+5.4% YoY+0.2% QoQ
 +29.1% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Top 7.1% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#100 of 1006 • Top 3.6% in tier

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

Why This Signature
AMR Growth (YoY): 10.71%
(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

Relationship Depth Leader

growth
#215 of 1006 • Top 7.8% in tier

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

Why This Signature
AMR Growth (YoY): 10.71%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(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

Organic Growth Engine

growth
#456 of 603 • Top 24.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.86%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.96%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 43.05%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#29 of 525 • Bottom 1.7% in tier

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

Why This Signature
Asset Growth (YoY): 9.27%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 43.05%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.86%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Growth-at-Risk

risk
#100 of 446 • Bottom 6.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 18.24%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#465 of 736 • Bottom 18.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

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 (6 metrics)

10
Loan Growth Rate
growth
Value: 18.24%
Peer Avg: 4.04%
#10 of 169 Top 5.3% in 500M-750M tier
10
First Mortgage Concentration (%)
balance_sheet
Value: 12.49%
Peer Avg: 33.53%
#10 of 169 Top 5.3% in 500M-750M tier
11
AMR Growth Rate
growth
Value: 10.71%
Peer Avg: 3.12%
#11 of 169 Top 5.9% in 500M-750M tier
25
Asset Growth Rate
growth
Value: 9.27%
Peer Avg: 4.33%
#25 of 169 Top 14.2% in 500M-750M tier
26
Efficiency Ratio
profitability
Value: 68.93%
Peer Avg: 78.10%
#26 of 169 Top 14.8% in 500M-750M tier
37
Deposit Growth Rate
growth
Value: 8.70%
Peer Avg: 5.25%
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (5 metrics)

158
Indirect Auto Concentration (%)
balance_sheet
Value: 43.05%
Peer Avg: 16.19%
#158 of 169 Bottom 7.1% in 500M-750M tier
152
Average Member Relationship (AMR)
engagement
Value: $18,880
Peer Avg: $26,482
#152 of 169 Bottom 10.7% in 500M-750M tier
139
Total Assets
balance_sheet
Value: $543.20M
Peer Avg: $622.38M
#139 of 169 Bottom 18.3% in 500M-750M tier
138
Loan-to-Member Ratio (LMR)
engagement
Value: $8,441
Peer Avg: $11,805
#138 of 169 Bottom 18.9% in 500M-750M tier
134
Total Deposits
balance_sheet
Value: $476.35M
Peer Avg: $538.02M
#134 of 169 Bottom 21.3% in 500M-750M tier