FINANCIAL PLUS

Charter #61231 | IL

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in IL

FINANCIAL PLUS has 5 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 11.5% in tier
  • + Organic Growth Engine: Top 14.6% in tier
  • + Relationship Depth Leader: Top 25.3% in tier
  • + ROA 0.64% above tier average
  • + Net Interest Margin 0.54% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.1% in tier
  • - Liquidity Overhang: Bottom 23.0% in tier
  • - Average Member Relationship (AMR): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 45,563
+2.4% YoY+0.7% QoQ
 +5.8K 39,752
-2.7% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 73rd in tier
Assets $548.8M
+7.7% YoY-0.8% QoQ
 $-73.6M $622.4M
+0.3% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Bottom 21.3% in tier
Loans $366.5M
+12.0% YoY+4.9% QoQ
 $-69.4M $435.9M
-0.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Bottom 21.3% in tier
Deposits $469.5M
+6.7% YoY-1.5% QoQ
 $-68.5M $538.0M
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Bottom 16.0% in tier
ROA 1.3%
+5.6% YoY+12.4% QoQ
 +0.6% 0.7%
+33.9% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Top 11.2% in tier
NIM 4.0%
+10.9% YoY+3.3% QoQ
 +0.5% 3.4%
+8.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Top 13.6% in tier
Efficiency Ratio 68.2%
+1.5% YoY-3.3% QoQ
 -9.9% 78.1%
-3.4% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Bottom 13.0% in tier
Delinquency Rate 0.4%
-27.7% YoY-1.6% QoQ
 -0.3 0.8%
-4.9% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 30th in tier
Loan To Share 78.1%
+4.9% YoY+6.5% QoQ
 -3.0% 81.0%
-1.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 34th in tier
AMR $18,348
+6.5% YoY+0.5% QoQ
 $-8K $26,482
+2.6% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 7.7% in tier
CD Concentration 22.6%
+10.1% YoY+1.8% QoQ
 -1.8% 24.4%
+4.2% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 44th in tier
Indirect Auto % 28.4%
-12.9% YoY-5.4% QoQ
 +14.5% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Top 19.0% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#317 of 1006 • Top 11.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.45%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#268 of 603 • Top 14.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.36%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.30%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 28.42%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#699 of 1006 • Top 25.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.45%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#163 of 525 • Bottom 10.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.71%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 28.42%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.36%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#357 of 552 • Bottom 23.0% 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: 13.45%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 78.07%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (8 metrics)

19
Return on Assets (ROA)
profitability
Value: 1.30%
Peer Avg: 0.66%
#19 of 169 Top 10.7% in 500M-750M tier
19
Loan Growth Rate
growth
Value: 11.96%
Peer Avg: 4.04%
#19 of 169 Top 10.7% in 500M-750M tier
23
Net Interest Margin (NIM)
profitability
Value: 3.97%
Peer Avg: 3.43%
#23 of 169 Top 13.0% in 500M-750M tier
23
Efficiency Ratio
profitability
Value: 68.19%
Peer Avg: 78.10%
#23 of 169 Top 13.0% in 500M-750M tier
25
Net Worth Ratio
risk
Value: 13.45%
Peer Avg: 10.94%
#25 of 169 Top 14.2% in 500M-750M tier
30
Members Per Employee (MPE)
engagement
Value: 399.675
Peer Avg: 338.010
#30 of 169 Top 17.2% in 500M-750M tier
33
Asset Growth Rate
growth
Value: 7.71%
Peer Avg: 4.33%
#33 of 169 Top 18.9% in 500M-750M tier
40
AMR Growth Rate
growth
Value: 6.45%
Peer Avg: 3.12%
#40 of 169 Top 23.1% in 500M-750M tier

Top Weaknesses (6 metrics)

156
Average Member Relationship (AMR)
engagement
Value: $18,348
Peer Avg: $26,482
#156 of 169 Bottom 8.3% in 500M-750M tier
143
Loan-to-Member Ratio (LMR)
engagement
Value: $8,044
Peer Avg: $11,805
#143 of 169 Bottom 16.0% in 500M-750M tier
142
Total Deposits
balance_sheet
Value: $469.47M
Peer Avg: $538.02M
#142 of 169 Bottom 16.6% in 500M-750M tier
135
Indirect Auto Concentration (%)
balance_sheet
Value: 28.42%
Peer Avg: 16.19%
#135 of 169 Bottom 20.7% in 500M-750M tier
133
Total Assets
balance_sheet
Value: $548.77M
Peer Avg: $622.38M
#133 of 169 Bottom 21.9% in 500M-750M tier
133
Total Loans
balance_sheet
Value: $366.52M
Peer Avg: $435.95M
#133 of 169 Bottom 21.9% in 500M-750M tier