CENTRAL CREDIT UNION OF ILLINOIS
Charter #60852 | IL
100M-500M
(1077 CUs)
Micro
($0-$500M)
31 100M-500M in IL
CENTRAL CREDIT UNION OF ILLINOIS has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 22.3% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 1.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 1.2% in tier
- - Credit Quality Pressure: Bottom 5.5% in tier
- - Margin Compression: Bottom 14.3% in tier
- - Liquidity Overhang: Bottom 15.8% in tier
- - Stagnation Risk: Bottom 20.4% in tier
- - Membership Headwinds: Bottom 20.4% in tier
- - Institutional Decline: Bottom 23.0% in tier
- - Efficiency ratio 0.47% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - Loan Growth Rate: 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 |
10,660
-1.9% YoY-0.5% QoQ
|
-5.0K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
34th in tier |
| Assets |
$122.7M
+2.5% YoY-0.3% QoQ
|
$-108.6M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.8% in tier |
| Loans |
$71.9M
-6.7% YoY-2.2% QoQ
|
$-75.9M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 16.7% in tier |
| Deposits |
$104.0M
+1.8% YoY-0.6% QoQ
|
$-96.3M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.2% in tier |
| ROA |
0.9%
-76.5% YoY+0.1% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
61st in tier |
| NIM |
4.7%
+8.7% YoY+0.9% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
77.7%
+62.9% YoY+1.2% QoQ
|
+0.5% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
53rd in tier |
| Delinquency Rate |
0.9%
+135.0% YoY+32.2% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
65th in tier |
| Loan To Share |
69.1%
-8.4% YoY-1.5% QoQ
|
-3.6% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
39th in tier |
| AMR |
$16,493
+0.0% YoY-0.7% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 16.1% in tier |
| CD Concentration |
3.3%
+5.9% YoY-6.9% QoQ
|
-21.1% |
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 (1)
Emerging Performer
growth
#419 of 627 • Top 22.3% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.92%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.90%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (7)
Cost Spiral
risk
#4 of 62 • Bottom 1.2% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
30.03% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$122.72M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#136 of 736 • Bottom 5.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.51% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Margin Compression
decline
#61 of 136 • Bottom 14.3% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.92%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-3.00% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$122.72M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#246 of 552 • Bottom 15.8% 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:
13.80%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
69.13%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Stagnation Risk
risk
#336 of 550 • Bottom 20.4% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.92%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.90%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$16.5K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
3.28%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#337 of 550 • Bottom 20.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.90%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#182 of 256 • Bottom 23.0% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$122.72M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.90%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-6.74%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
36
Share Certificate Concentration (%)
balance_sheet
Value:
3.28%
Peer Avg: 23.61%
#36 of 1077
Top 3.2% in 100M-500M tier
69
Net Interest Margin (NIM)
profitability
Value:
4.66%
Peer Avg: 3.58%
#69 of 1077
Top 6.3% in 100M-500M tier
250
Net Worth Ratio
risk
Value:
13.80%
Peer Avg: 12.15%
#250 of 1077
Top 23.1% in 100M-500M tier
Top Weaknesses (8 metrics)
992
Loan Growth Rate
growth
Value:
-6.74%
Peer Avg: 3.45%
#992 of 1077
Bottom 8.0% in 100M-500M tier
935
Total Deposits
balance_sheet
Value:
$103.95M
Peer Avg: $200.29M
#935 of 1077
Bottom 13.3% in 100M-500M tier
918
Total Assets
balance_sheet
Value:
$122.72M
Peer Avg: $231.30M
#918 of 1077
Bottom 14.9% in 100M-500M tier
904
Average Member Relationship (AMR)
engagement
Value:
$16,493
Peer Avg: $24,363
#904 of 1077
Bottom 16.2% in 100M-500M tier
897
Total Loans
balance_sheet
Value:
$71.86M
Peer Avg: $147.80M
#897 of 1077
Bottom 16.8% in 100M-500M tier
859
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,741
Peer Avg: $10,245
#859 of 1077
Bottom 20.3% in 100M-500M tier
840
AMR Growth Rate
growth
Value:
0.02%
Peer Avg: 3.64%
#840 of 1077
Bottom 22.1% in 100M-500M tier
812
Fee Income Per Member
profitability
Value:
$117.54
Peer Avg: $174.31
#812 of 1077
Bottom 24.7% in 100M-500M tier