PARK MANOR CHRISTIAN CHURCH

Charter #60923 | IL

<100M (2596 CUs) Micro
143 <100M in IL

PARK MANOR CHRISTIAN CHURCH has 8 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 7.37% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 0.5% in tier
  • + Efficiency Ratio: Top 3.5% in tier
  • + Asset Growth Rate: Top 4.4% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 47.26% above tier average
  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
  • - Total Loans: Bottom 4.9% in tier
  • - Total Deposits: Bottom 5.5% in tier
  • - Net Interest Margin (NIM): Bottom 5.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
  • - Average Member Relationship (AMR): Bottom 6.3% in tier
  • - Total Members: Bottom 6.5% in tier
  • - Total Assets: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 255
+2.0% YoY+0.4% QoQ
 -2.4K 2,625
-2.2% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Bottom 6.5% in tier
Assets $1.6M
+13.2% YoY+10.5% QoQ
 $-28.3M $29.9M
+1.1% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Bottom 7.9% in tier
Loans $270,967
+6.9% YoY-2.2% QoQ
 $-15.5M $15.8M
-2.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Bottom 4.9% in tier
Deposits $744,159
+0.1% YoY-0.2% QoQ
 $-24.7M $25.5M
+0.4% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Bottom 5.5% in tier
ROA 8.0%
+57.1% YoY+12.7% QoQ
 +7.4% 0.7%
-731.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Top 0.3% in tier
NIM 2.3%
-54.9% YoY-27.4% QoQ
 -1.6% 3.9%
+3.8% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 5.6% in tier
Efficiency Ratio 44.2%
-20.0% YoY-22.8% QoQ
 -37.1% 81.4%
-2.4% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Bottom 3.5% in tier
Delinquency Rate 48.8%
+465.5% YoY+73.4% QoQ
 +47.3 1.5%
-2.0% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Top 0.5% in tier
Loan To Share 36.4%
+6.8% YoY-2.1% QoQ
 -24.8% 61.2%
-3.0% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 Bottom 15.4% in tier
AMR $3,981
-0.1% YoY-1.1% QoQ
 $-11K $14,627
-2.7% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 6.3% 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)

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

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
8
Return on Assets (ROA)
profitability
Value: 8.05%
Peer Avg: 0.68%
#8 of 2596 Top 0.3% in <100M tier
15
Fee Income Per Member
profitability
Value: $711.81
Peer Avg: $182.96
#15 of 2596 Top 0.5% in <100M tier
93
Efficiency Ratio
profitability
Value: 44.25%
Peer Avg: 81.39%
#93 of 2596 Top 3.5% in <100M tier
115
Asset Growth Rate
growth
Value: 13.24%
Peer Avg: 1.82%
#115 of 2596 Top 4.4% 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
422
Loan Growth Rate
growth
Value: 6.90%
Peer Avg: 59.01%
#422 of 2596 Top 16.2% in <100M tier
446
Member Growth Rate
growth
Value: 2.00%
Peer Avg: 14.92%
#446 of 2596 Top 17.1% in <100M tier

Top Weaknesses (10 metrics)

2596
Members Per Employee (MPE)
engagement
Value: -
Peer Avg: 365.701
#2596 of 2596 Bottom 0.0% in <100M tier
2583
Total Delinquency Rate (60+ days)
risk
Value: 48.77%
Peer Avg: 1.51%
#2583 of 2596 Bottom 0.5% in <100M tier
2469
Total Loans
balance_sheet
Value: $270,967
Peer Avg: $15.77M
#2469 of 2596 Bottom 4.9% in <100M tier
2453
Total Deposits
balance_sheet
Value: $744,159
Peer Avg: $25.45M
#2453 of 2596 Bottom 5.5% in <100M tier
2450
Net Interest Margin (NIM)
profitability
Value: 2.34%
Peer Avg: 3.93%
#2450 of 2596 Bottom 5.7% in <100M tier
2437
Loan-to-Member Ratio (LMR)
engagement
Value: $1,063
Peer Avg: $5,488
#2437 of 2596 Bottom 6.2% in <100M tier
2433
Average Member Relationship (AMR)
engagement
Value: $3,981
Peer Avg: $14,627
#2433 of 2596 Bottom 6.3% in <100M tier
2427
Total Members
engagement
Value: 255
Peer Avg: 2,626
#2427 of 2596 Bottom 6.5% in <100M tier
2391
Total Assets
balance_sheet
Value: $1.57M
Peer Avg: $29.86M
#2391 of 2596 Bottom 7.9% in <100M tier
2191
Loan-to-Share Ratio
balance_sheet
Value: 36.41%
Peer Avg: 61.23%
#2191 of 2596 Bottom 15.6% in <100M tier