UNIVERSITY OF ILLINOIS COMMUNITY
Charter #60583 | IL
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
7 500M-750M in IL
UNIVERSITY OF ILLINOIS COMMUNITY has 12 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 1.8% in tier
- + Relationship Depth Leader: Top 11.7% in tier
- + Organic Growth Engine: Top 32.6% in tier
- + Net Interest Margin 0.90% above tier average
- + Total Loans: Top 0.6% in tier
- + Total Deposits: Top 0.6% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Total Members: Top 3.6% in tier
- + Deposit Growth Rate: Top 4.1% in tier
- + Total Assets: Top 4.1% in tier
- + Asset Growth Rate: Top 6.5% in tier
- + Loan Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.9% in tier
- - Liquidity Strain: Bottom 8.8% in tier
- - Efficiency Drag: Bottom 20.0% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 4.14% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,826
+0.7% YoY+1.0% QoQ
|
+25.1K |
39,752
-2.7% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 4.1% in tier |
| Assets |
$741.8M
+12.3% YoY+5.6% QoQ
|
+$119.4M |
$622.4M
+0.3% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Top 4.7% in tier |
| Loans |
$633.6M
+14.8% YoY+4.7% QoQ
|
+$197.7M |
$435.9M
-0.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Top 1.2% in tier |
| Deposits |
$667.1M
+15.4% YoY+5.9% QoQ
|
+$129.0M |
$538.0M
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Top 1.2% in tier |
| ROA |
0.4%
+969.3% YoY-17.5% QoQ
|
-0.3% |
0.7%
+33.9% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
34th in tier |
| NIM |
4.3%
+0.4% YoY-0.1% QoQ
|
+0.9% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
82.2%
+2.5% YoY+1.0% QoQ
|
+4.1% |
78.1%
-3.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
70th in tier |
| Delinquency Rate |
0.7%
-27.6% YoY+15.6% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
50th in tier |
| Loan To Share |
95.0%
-0.5% YoY-1.2% QoQ
|
+14.0% |
81.0%
-1.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 16.0% in tier |
| AMR |
$20,064
+14.2% YoY+4.3% QoQ
|
$-6K |
$26,482
+2.6% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 18.3% in tier |
| CD Concentration |
23.4%
-1.3% YoY-5.2% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
47th in tier |
| Indirect Auto % |
33.8%
-17.9% YoY-5.8% QoQ
|
+19.8% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
Top 13.7% in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growth
#51 of 1006 • Top 1.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
14.24%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#322 of 1006 • Top 11.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
14.24%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.0K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#598 of 603 • Top 32.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.74%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.38%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
33.79%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Concerns (3)
Indirect Auto Dependency
risk
#32 of 525 • Bottom 1.9% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
12.25%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
33.79%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
0.74%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Liquidity Strain
risk
#69 of 258 • Bottom 8.8% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
94.99%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
14.79%
(Tier:
3.64%, National:
36.38%)
258 of 281 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
Efficiency Drag
risk
#354 of 521 • Bottom 20.0% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
82.23%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.35% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
0.74%
(Tier:
0.88%, National:
9.37%)
521 of 281 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 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)
Top Strengths (10 metrics)
2
Total Loans
balance_sheet
Value:
$633.61M
Peer Avg: $435.95M
#2 of 169
Top 0.6% in 500M-750M tier
2
Total Deposits
balance_sheet
Value:
$667.07M
Peer Avg: $538.02M
#2 of 169
Top 0.6% in 500M-750M tier
7
AMR Growth Rate
growth
Value:
14.24%
Peer Avg: 3.12%
#7 of 169
Top 3.6% in 500M-750M tier
7
Total Members
engagement
Value:
64,826
Peer Avg: 39,752
#7 of 169
Top 3.6% in 500M-750M tier
8
Deposit Growth Rate
growth
Value:
15.36%
Peer Avg: 5.25%
#8 of 169
Top 4.1% in 500M-750M tier
8
Total Assets
balance_sheet
Value:
$741.77M
Peer Avg: $622.38M
#8 of 169
Top 4.1% in 500M-750M tier
11
Net Interest Margin (NIM)
profitability
Value:
4.33%
Peer Avg: 3.43%
#11 of 169
Top 5.9% in 500M-750M tier
12
Asset Growth Rate
growth
Value:
12.25%
Peer Avg: 4.33%
#12 of 169
Top 6.5% in 500M-750M tier
13
Loan Growth Rate
growth
Value:
14.79%
Peer Avg: 4.04%
#13 of 169
Top 7.1% in 500M-750M tier
27
Loan-to-Share Ratio
balance_sheet
Value:
94.99%
Peer Avg: 81.02%
#27 of 169
Top 15.4% in 500M-750M tier
Top Weaknesses (3 metrics)
141
Indirect Auto Concentration (%)
balance_sheet
Value:
33.79%
Peer Avg: 16.19%
#141 of 169
Bottom 17.2% in 500M-750M tier
139
Net Charge-Off Rate
risk
Value:
0.88%
Peer Avg: 0.51%
#139 of 169
Bottom 18.3% in 500M-750M tier
138
Average Member Relationship (AMR)
engagement
Value:
$20,064
Peer Avg: $26,482
#138 of 169
Bottom 18.9% in 500M-750M tier