ST. GREGORY PARISH
Charter #60680 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
ST. GREGORY PARISH has 9 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% 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
- + Deposit Growth Rate: Top 4.6% in tier
- + Asset Growth Rate: Top 4.7% in tier
- + AMR Growth Rate: Top 7.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.0% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 2.0% in tier
- - Total Assets: Bottom 2.9% in tier
- - Total Deposits: Bottom 3.3% in tier
- - Total Loans: Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 7.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
- - Fee Income Per Member: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
120
-7.0% YoY+4.3% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 2.0% in tier |
| Assets |
$426,262
+12.7% YoY+12.2% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.8% in tier |
| Loans |
$162,447
-13.8% YoY-4.5% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.8% in tier |
| Deposits |
$371,106
+13.6% YoY+14.0% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.3% in tier |
| ROA |
1.0%
-49.3% YoY-19.3% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
61st in tier |
| NIM |
2.8%
-24.5% YoY-2.3% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
65.1%
+33.0% YoY+12.7% QoQ
|
-16.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 21.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-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 |
43.8%
-24.1% YoY-16.2% QoQ
|
-17.5% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 23.4% in tier |
| AMR |
$4,446
+11.3% YoY+3.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.5% 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 (9 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
121
Deposit Growth Rate
growth
Value:
13.57%
Peer Avg: 16.80%
#121 of 2596
Top 4.6% in <100M tier
124
Asset Growth Rate
growth
Value:
12.70%
Peer Avg: 1.82%
#124 of 2596
Top 4.7% in <100M tier
201
AMR Growth Rate
growth
Value:
11.33%
Peer Avg: 4.67%
#201 of 2596
Top 7.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
569
Efficiency Ratio
profitability
Value:
65.07%
Peer Avg: 81.39%
#569 of 2596
Top 21.9% in <100M tier
Top Weaknesses (12 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2544
Total Members
engagement
Value:
120
Peer Avg: 2,626
#2544 of 2596
Bottom 2.0% in <100M tier
2523
Total Assets
balance_sheet
Value:
$426,262
Peer Avg: $29.86M
#2523 of 2596
Bottom 2.9% in <100M tier
2511
Total Deposits
balance_sheet
Value:
$371,106
Peer Avg: $25.45M
#2511 of 2596
Bottom 3.3% in <100M tier
2497
Total Loans
balance_sheet
Value:
$162,447
Peer Avg: $15.77M
#2497 of 2596
Bottom 3.9% in <100M tier
2401
Average Member Relationship (AMR)
engagement
Value:
$4,446
Peer Avg: $14,627
#2401 of 2596
Bottom 7.6% in <100M tier
2393
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,354
Peer Avg: $5,488
#2393 of 2596
Bottom 7.9% in <100M tier
2367
Fee Income Per Member
profitability
Value:
$1.51
Peer Avg: $182.96
#2367 of 2596
Bottom 8.9% in <100M tier
2334
Member Growth Rate
growth
Value:
-6.98%
Peer Avg: 14.92%
#2334 of 2596
Bottom 10.1% in <100M tier
2258
Loan Growth Rate
growth
Value:
-13.78%
Peer Avg: 59.01%
#2258 of 2596
Bottom 13.1% in <100M tier