NUMARK

Charter #61447 | IL

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in IL

NUMARK has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.8% in tier
  • + Relationship Depth Leader: Top 19.0% in tier
  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.50% above tier average
  • + First Mortgage Concentration (%): Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 6.4% in tier
  • - Credit Quality Pressure: Bottom 8.0% in tier
  • - Growth-at-Risk: Bottom 8.6% in tier
  • - Indirect Auto Dependency: Bottom 20.2% in tier
  • - Efficiency ratio 8.73% above tier (higher cost structure)
  • - Delinquency rate 0.49% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 62,350
+0.4% YoY-0.2% QoQ
 +10.2K 52,114
-2.1% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $879.8M
+6.1% YoY+0.9% QoQ
 +$20.8M $859.0M
+0.0% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 61st in tier
Loans $640.3M
+5.9% YoY+0.7% QoQ
 +$36.9M $603.4M
+1.0% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 55th in tier
Deposits $730.7M
+6.2% YoY+0.5% QoQ
 $-3.5M $734.2M
+0.9% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 53rd in tier
ROA 0.7%
-5.6% YoY+11.1% QoQ
 +0.0% 0.7%
+27.6% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 52nd in tier
NIM 3.9%
+7.7% YoY+2.5% QoQ
 +0.5% 3.4%
+9.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Top 19.6% in tier
Efficiency Ratio 83.2%
+1.8% YoY-0.9% QoQ
 +8.7% 74.5%
-3.2% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Top 20.5% in tier
Delinquency Rate 1.3%
+40.6% YoY+29.0% QoQ
 +0.5 0.8%
+5.0% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Top 17.0% in tier
Loan To Share 87.6%
-0.3% YoY+0.3% QoQ
 +5.0% 82.7%
+0.1% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $21,988
+5.6% YoY+0.8% QoQ
 $-7K $28,651
+2.5% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 30th in tier
CD Concentration 28.6%
-1.8% YoY+4.3% QoQ
 +4.2% 24.4%
+4.2% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 66th in tier
Indirect Auto % 19.4%
-0.6% YoY-2.1% QoQ
 +5.5% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 70th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#410 of 1006 • Top 14.8% in tier

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

Why This Signature
AMR Growth (YoY): 5.64%
(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

Relationship Depth Leader

growth
#524 of 1006 • Top 19.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(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 improving

Concerns (4)

Efficiency Drag

risk
#114 of 521 • Bottom 6.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.25%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.04% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk
#200 of 736 • Bottom 8.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.38% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#130 of 446 • Bottom 8.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.94%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.38% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#326 of 525 • Bottom 20.2% in tier

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

Why This Signature
Asset Growth (YoY): 6.08%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 19.42%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.43%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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 112 peers in tier

Top Strengths (3 metrics)

7
First Mortgage Concentration (%)
balance_sheet
Value: 11.59%
Peer Avg: 33.64%
#7 of 112 Top 5.4% in 750M-1B tier
22
Net Interest Margin (NIM)
profitability
Value: 3.87%
Peer Avg: 3.38%
#22 of 112 Top 18.8% in 750M-1B tier
29
Total Members
engagement
Value: 62,350
Peer Avg: 52,114
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (2 metrics)

94
Total Delinquency Rate (60+ days)
risk
Value: 1.31%
Peer Avg: 0.82%
#94 of 112 Bottom 17.0% in 750M-1B tier
90
Efficiency Ratio
profitability
Value: 83.25%
Peer Avg: 74.52%
#90 of 112 Bottom 20.5% in 750M-1B tier