SHERWIN WILLIAMS EMP.
Charter #61368 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
SHERWIN WILLIAMS EMP. has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.9% in tier
- + Asset Growth Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 3.17% above tier (higher cost structure)
- - Member decline: -6.1% YoY
- - Indirect Auto Concentration (%): Bottom 0.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,117
-6.1% YoY-1.2% QoQ
|
+491 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
68th in tier |
| Assets |
$41.2M
+25.7% YoY-0.6% QoQ
|
+$11.3M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
71st in tier |
| Loans |
$15.3M
+115.7% YoY-7.1% QoQ
|
$-511K |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
62nd in tier |
| Deposits |
$37.6M
+30.3% YoY-1.5% QoQ
|
+$12.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
74th in tier |
| ROA |
0.4%
-73.2% YoY-10.8% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
31st in tier |
| NIM |
3.0%
+6.6% YoY-0.6% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 18.8% in tier |
| Efficiency Ratio |
84.6%
+17.3% YoY-0.7% QoQ
|
+3.2% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
66th in tier |
| Delinquency Rate |
0.6%
+72.4% YoY+9.5% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
48th in tier |
| Loan To Share |
40.6%
+65.6% YoY-5.7% QoQ
|
-20.7% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 19.8% in tier |
| AMR |
$16,957
+56.7% YoY-2.0% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
67th in tier |
| CD Concentration |
4.7%
+4.1% YoY+3.5% QoQ
|
-19.7% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
62.7%
+265.4% YoY-4.7% QoQ
|
+48.7% |
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 (5 metrics)
5
Loan Growth Rate
growth
Value:
115.71%
Peer Avg: 59.01%
#5 of 2596
Top 0.2% in <100M tier
13
AMR Growth Rate
growth
Value:
56.65%
Peer Avg: 4.67%
#13 of 2596
Top 0.5% in <100M tier
24
Deposit Growth Rate
growth
Value:
30.25%
Peer Avg: 16.80%
#24 of 2596
Top 0.9% in <100M tier
25
Asset Growth Rate
growth
Value:
25.69%
Peer Avg: 1.82%
#25 of 2596
Top 0.9% in <100M tier
574
Fee Income Per Member
profitability
Value:
$124.71
Peer Avg: $182.96
#574 of 2596
Top 22.1% in <100M tier
Top Weaknesses (5 metrics)
2573
Indirect Auto Concentration (%)
balance_sheet
Value:
62.66%
Peer Avg: 2.84%
#2573 of 2596
Bottom 0.9% in <100M tier
2331
Net Charge-Off Rate
risk
Value:
1.32%
Peer Avg: 0.57%
#2331 of 2596
Bottom 10.2% in <100M tier
2276
Member Growth Rate
growth
Value:
-6.11%
Peer Avg: 14.92%
#2276 of 2596
Bottom 12.4% in <100M tier
2107
Net Interest Margin (NIM)
profitability
Value:
3.02%
Peer Avg: 3.93%
#2107 of 2596
Bottom 18.9% in <100M tier
2079
Loan-to-Share Ratio
balance_sheet
Value:
40.58%
Peer Avg: 61.23%
#2079 of 2596
Bottom 20.0% in <100M tier