CLIFFORD-JACOBS EMPLOYEES
Charter #60627 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
CLIFFORD-JACOBS EMPLOYEES has 8 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 2.57% 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
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.29% above tier (higher cost structure)
- - Member decline: -11.5% YoY
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Deposit Growth Rate: Bottom 3.4% in tier
- - Total Members: Bottom 3.4% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Member Growth Rate: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 5.0% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Loans: 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 |
162
-11.5% YoY-6.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 3.4% in tier |
| Assets |
$1.1M
-5.8% YoY-7.6% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.4% in tier |
| Loans |
$743,425
-0.2% YoY+8.2% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.6% in tier |
| Deposits |
$493,374
-14.6% YoY-14.7% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.0% in tier |
| ROA |
0.8%
-74.5% YoY-65.2% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
51st in tier |
| NIM |
6.5%
+0.1% YoY+5.6% QoQ
|
+2.6% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.4% in tier |
| Efficiency Ratio |
88.7%
+65.3% YoY+34.9% QoQ
|
+7.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
74th 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 |
150.7%
+16.8% YoY+26.9% QoQ
|
+89.4% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 0.3% in tier |
| AMR |
$7,635
+5.6% YoY+5.0% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 17.8% in tier |
| CD Concentration | 0.0% | -24.4% |
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 (8 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
3
Loan-to-Share Ratio
balance_sheet
Value:
150.68%
Peer Avg: 61.23%
#3 of 2596
Top 0.1% in <100M tier
20
Net Worth Ratio
risk
Value:
56.37%
Peer Avg: 16.43%
#20 of 2596
Top 0.7% in <100M tier
63
Net Interest Margin (NIM)
profitability
Value:
6.50%
Peer Avg: 3.93%
#63 of 2596
Top 2.4% in <100M tier
599
AMR Growth Rate
growth
Value:
5.64%
Peer Avg: 4.67%
#599 of 2596
Top 23.0% in <100M tier
Top Weaknesses (10 metrics)
2515
Net Charge-Off Rate
risk
Value:
2.98%
Peer Avg: 0.57%
#2515 of 2596
Bottom 3.2% in <100M tier
2510
Deposit Growth Rate
growth
Value:
-14.55%
Peer Avg: 16.80%
#2510 of 2596
Bottom 3.4% in <100M tier
2508
Total Members
engagement
Value:
162
Peer Avg: 2,626
#2508 of 2596
Bottom 3.4% in <100M tier
2491
Total Deposits
balance_sheet
Value:
$493,374
Peer Avg: $25.45M
#2491 of 2596
Bottom 4.1% in <100M tier
2476
Member Growth Rate
growth
Value:
-11.48%
Peer Avg: 14.92%
#2476 of 2596
Bottom 4.7% in <100M tier
2466
Members Per Employee (MPE)
engagement
Value:
81.000
Peer Avg: 365.701
#2466 of 2596
Bottom 5.0% in <100M tier
2431
Total Assets
balance_sheet
Value:
$1.13M
Peer Avg: $29.86M
#2431 of 2596
Bottom 6.4% in <100M tier
2347
Total Loans
balance_sheet
Value:
$743,425
Peer Avg: $15.77M
#2347 of 2596
Bottom 9.6% in <100M tier
2287
Asset Growth Rate
growth
Value:
-5.82%
Peer Avg: 1.82%
#2287 of 2596
Bottom 11.9% in <100M tier
2133
Average Member Relationship (AMR)
engagement
Value:
$7,635
Peer Avg: $14,627
#2133 of 2596
Bottom 17.9% in <100M tier