EVANSTON FIREMENS

Charter #62338 | IL

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

EVANSTON FIREMENS has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.14% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Total Members: Bottom 3.2% in tier
  • - Loan-to-Share Ratio: Bottom 3.3% in tier
  • - Total Loans: Bottom 5.0% in tier
  • - Members Per Employee (MPE): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 153
-1.3% YoY+2.0% QoQ
 -2.5K 2,625
-2.2% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Bottom 3.1% in tier
Assets $2.1M
-2.4% YoY+3.2% QoQ
 $-27.8M $29.9M
+1.1% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Bottom 10.2% in tier
Loans $281,938
-6.5% YoY+3.0% QoQ
 $-15.5M $15.8M
-2.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Bottom 5.0% in tier
Deposits $1.7M
-2.8% YoY+4.3% QoQ
 $-23.8M $25.5M
+0.4% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Bottom 10.8% in tier
ROA 0.8%
-14.8% YoY+917.2% QoQ
 +0.1% 0.7%
-731.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 2.8%
-4.2% YoY+1.1% QoQ
 -1.1% 3.9%
+3.8% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 12.8% in tier
Efficiency Ratio 72.7%
+6.2% YoY-25.3% QoQ
 -8.7% 81.4%
-2.4% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 37th in tier
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 16.7%
-3.7% YoY-1.2% QoQ
 -44.6% 61.2%
-3.0% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 Bottom 3.1% in tier
AMR $12,910
-2.1% YoY+2.1% QoQ
 $-2K $14,627
-2.7% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 45th 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 (5 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
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
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier

Top Weaknesses (9 metrics)

2515
Total Members
engagement
Value: 153
Peer Avg: 2,626
#2515 of 2596 Bottom 3.2% in <100M tier
2511
Loan-to-Share Ratio
balance_sheet
Value: 16.65%
Peer Avg: 61.23%
#2511 of 2596 Bottom 3.3% in <100M tier
2467
Total Loans
balance_sheet
Value: $281,938
Peer Avg: $15.77M
#2467 of 2596 Bottom 5.0% in <100M tier
2339
Members Per Employee (MPE)
engagement
Value: 153.000
Peer Avg: 365.701
#2339 of 2596 Bottom 9.9% in <100M tier
2332
Total Assets
balance_sheet
Value: $2.06M
Peer Avg: $29.86M
#2332 of 2596 Bottom 10.2% in <100M tier
2316
Total Deposits
balance_sheet
Value: $1.69M
Peer Avg: $25.45M
#2316 of 2596 Bottom 10.8% in <100M tier
2302
Loan-to-Member Ratio (LMR)
engagement
Value: $1,843
Peer Avg: $5,488
#2302 of 2596 Bottom 11.4% in <100M tier
2264
Net Interest Margin (NIM)
profitability
Value: 2.79%
Peer Avg: 3.93%
#2264 of 2596 Bottom 12.8% in <100M tier
1953
Asset Growth Rate
growth
Value: -2.41%
Peer Avg: 1.82%
#1953 of 2596 Bottom 24.8% in <100M tier