I. H. MISSISSIPPI VALLEY

Charter #60337 | IL

1B-3B (304 CUs) Mid-Market (380 CUs)
9 1B-3B in IL

I. H. MISSISSIPPI VALLEY has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 27.4% in tier
  • + Wallet Share Momentum: Top 31.4% in tier
  • + Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 8.1% in tier
  • - Liquidity Strain: Bottom 21.8% in tier
  • - ROA 0.90% below tier average
  • - Delinquency rate 1.35% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
  • - Indirect Auto Concentration (%): Bottom 3.0% in tier
  • - Share Certificate Concentration (%): Bottom 8.2% in tier
  • - 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 150,015
+2.2% YoY-0.7% QoQ
 +51.3K 98,678
-1.9% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Top 12.8% in tier
Assets $2.2B
+2.2% YoY-1.0% QoQ
 +$495.6M $1.7B
+0.5% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Top 24.7% in tier
Loans $1.8B
+3.7% YoY-0.4% QoQ
 +$604.0M $1.2B
+0.5% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Top 13.2% in tier
Deposits $1.9B
+4.2% YoY-1.3% QoQ
 +$478.7M $1.5B
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Top 21.4% in tier
ROA -0.2%
-129.0% YoY-55.2% QoQ
 -0.9% 0.7%
+13.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Bottom 1.3% in tier
NIM 3.5%
+12.6% YoY+2.0% QoQ
 +0.2% 3.3%
+9.3% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 66th in tier
Efficiency Ratio 64.3%
-1.5% YoY-1.9% QoQ
 -9.7% 74.0%
-10.9% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Bottom 15.5% in tier
Delinquency Rate 2.2%
-11.0% YoY-6.9% QoQ
 +1.3 0.8%
+6.1% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Top 3.0% in tier
Loan To Share 95.0%
-0.4% YoY+0.9% QoQ
 +9.8% 85.2%
-0.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 74th in tier
AMR $25,132
+1.7% YoY-0.2% QoQ
 $-4K $29,172
+2.8% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 35th in tier
CD Concentration 41.1%
+6.7% YoY-0.4% QoQ
 +12.1% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Top 9.8% in tier
Indirect Auto % 53.1%
-3.3% YoY-3.0% QoQ
 +34.3% 18.8%
-2.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Top 2.4% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#199 of 264 • Top 27.4% in tier

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

Why This Signature
AMR Growth (YoY): 1.73%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#228 of 264 • Top 31.4% in tier

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

Why This Signature
AMR Growth (YoY): 1.73%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#51 of 202 • Bottom 8.1% in tier

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

Why This Signature
Asset Growth (YoY): 2.17%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 53.07%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.21%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#115 of 183 • Bottom 21.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 95.04%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.73%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY

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 304 peers in tier

Top Strengths (5 metrics)

39
Total Members
engagement
Value: 150,015
Peer Avg: 98,678
#39 of 304 Top 12.5% in 1B-3B tier
40
Total Loans
balance_sheet
Value: $1.84B
Peer Avg: $1.23B
#40 of 304 Top 12.8% in 1B-3B tier
48
Efficiency Ratio
profitability
Value: 64.30%
Peer Avg: 73.97%
#48 of 304 Top 15.5% in 1B-3B tier
65
Total Deposits
balance_sheet
Value: $1.93B
Peer Avg: $1.45B
#65 of 304 Top 21.1% in 1B-3B tier
75
Total Assets
balance_sheet
Value: $2.22B
Peer Avg: $1.72B
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (6 metrics)

300
Return on Assets (ROA)
profitability
Value: -0.20%
Peer Avg: 0.70%
#300 of 304 Bottom 1.6% in 1B-3B tier
296
Total Delinquency Rate (60+ days)
risk
Value: 2.17%
Peer Avg: 0.83%
#296 of 304 Bottom 3.0% in 1B-3B tier
296
Indirect Auto Concentration (%)
balance_sheet
Value: 53.07%
Peer Avg: 18.32%
#296 of 304 Bottom 3.0% in 1B-3B tier
280
Share Certificate Concentration (%)
balance_sheet
Value: 41.05%
Peer Avg: 28.53%
#280 of 304 Bottom 8.2% in 1B-3B tier
276
Net Charge-Off Rate
risk
Value: 1.14%
Peer Avg: 0.60%
#276 of 304 Bottom 9.5% in 1B-3B tier
271
Net Worth Ratio
risk
Value: 9.00%
Peer Avg: 11.44%
#271 of 304 Bottom 11.2% in 1B-3B tier