A.A.E.C.
Charter #60648 | IL
100M-500M
(1077 CUs)
Micro
($0-$500M)
31 100M-500M in IL
A.A.E.C. has 11 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 5.4% in tier
- + Wallet Share Momentum: Top 7.5% in tier
- + Organic Growth Engine: Top 8.2% in tier
- + Emerging Performer: Top 9.2% in tier
- + Relationship Depth Leader: Top 10.5% in tier
- + Strong member growth: 5.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.5% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + Total Delinquency Rate (60+ days): Top 2.7% in tier
- + Member Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 2.5% in tier
- - Liquidity Overhang: Bottom 12.2% in tier
- - Credit Quality Pressure: Bottom 26.8% in tier
- - Growth-at-Risk: Bottom 28.7% in tier
- - ROA 0.13% below tier average
- - Total Members: Bottom 1.9% in tier
- - Fee Income Per Member: Bottom 2.4% in tier
- - Net Interest Margin (NIM): Bottom 4.5% in tier
- - Total Loans: Bottom 4.9% in tier
- - Loan-to-Share Ratio: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,396
+5.5% YoY+3.5% QoQ
|
-11.2K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 1.9% in tier |
| Assets |
$117.1M
+18.4% YoY+4.6% QoQ
|
$-114.2M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.7% in tier |
| Loans |
$47.9M
+2.4% YoY-0.8% QoQ
|
$-99.9M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.8% in tier |
| Deposits |
$101.5M
+20.2% YoY+4.7% QoQ
|
$-98.8M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.1% in tier |
| ROA |
0.7%
-51.7% YoY+1.5% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
43rd in tier |
| NIM |
2.3%
-5.1% YoY+1.0% QoQ
|
-1.3% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio |
71.3%
+23.0% YoY+0.6% QoQ
|
-5.9% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
29th in tier |
| Delinquency Rate |
0.1%
+93.4% YoY+12.2% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
47.2%
-14.9% YoY-5.3% QoQ
|
-25.5% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.9% in tier |
| AMR |
$33,979
+7.9% YoY-0.6% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 10.7% in tier |
| CD Concentration |
31.0%
+100.8% YoY+22.9% QoQ
|
+6.6% |
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 (5)
Organic Growth Leader
growth
#72 of 430 • Top 5.4% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
5.47%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#207 of 1006 • Top 7.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
7.95%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#152 of 603 • Top 8.2% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
5.47%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.66%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Emerging Performer
growth
#174 of 627 • Top 9.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.66%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
5.47%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#290 of 1006 • Top 10.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
7.95%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.5K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (4)
Cost Spiral
risk
#7 of 62 • Bottom 2.5% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
13.34% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$117.07M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#190 of 552 • Bottom 12.2% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.01%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
47.17%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#665 of 736 • Bottom 26.8% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.03% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#430 of 446 • Bottom 28.7% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
2.36%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.03% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
28
Deposit Growth Rate
growth
Value:
20.22%
Peer Avg: 4.69%
#28 of 1077
Top 2.5% in 100M-500M tier
29
Asset Growth Rate
growth
Value:
18.37%
Peer Avg: 4.70%
#29 of 1077
Top 2.6% in 100M-500M tier
30
Total Delinquency Rate (60+ days)
risk
Value:
0.05%
Peer Avg: 0.86%
#30 of 1077
Top 2.7% in 100M-500M tier
91
Member Growth Rate
growth
Value:
5.47%
Peer Avg: 0.72%
#91 of 1077
Top 8.4% in 100M-500M tier
115
Average Member Relationship (AMR)
engagement
Value:
$33,979
Peer Avg: $24,363
#115 of 1077
Top 10.6% in 100M-500M tier
161
AMR Growth Rate
growth
Value:
7.95%
Peer Avg: 3.64%
#161 of 1077
Top 14.9% in 100M-500M tier
189
Net Charge-Off Rate
risk
Value:
0.12%
Peer Avg: 0.47%
#189 of 1077
Top 17.5% in 100M-500M tier
Top Weaknesses (9 metrics)
1057
Total Members
engagement
Value:
4,396
Peer Avg: 15,628
#1057 of 1077
Bottom 1.9% in 100M-500M tier
1052
Fee Income Per Member
profitability
Value:
$43.40
Peer Avg: $174.31
#1052 of 1077
Bottom 2.4% in 100M-500M tier
1030
Net Interest Margin (NIM)
profitability
Value:
2.33%
Peer Avg: 3.58%
#1030 of 1077
Bottom 4.5% in 100M-500M tier
1025
Total Loans
balance_sheet
Value:
$47.88M
Peer Avg: $147.80M
#1025 of 1077
Bottom 4.9% in 100M-500M tier
992
Loan-to-Share Ratio
balance_sheet
Value:
47.17%
Peer Avg: 72.70%
#992 of 1077
Bottom 8.0% in 100M-500M tier
951
Total Assets
balance_sheet
Value:
$117.07M
Peer Avg: $231.30M
#951 of 1077
Bottom 11.8% in 100M-500M tier
947
Total Deposits
balance_sheet
Value:
$101.49M
Peer Avg: $200.29M
#947 of 1077
Bottom 12.2% in 100M-500M tier
853
First Mortgage Concentration (%)
balance_sheet
Value:
44.47%
Peer Avg: 30.43%
#853 of 1077
Bottom 20.9% in 100M-500M tier
810
Share Certificate Concentration (%)
balance_sheet
Value:
30.99%
Peer Avg: 23.61%
#810 of 1077
Bottom 24.9% in 100M-500M tier