MEMBERS "FIRST" COMMUNITY
Charter #63368 | IL
100M-500M
(1077 CUs)
Micro
($0-$500M)
31 100M-500M in IL
MEMBERS "FIRST" COMMUNITY has 15 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 2.0% in tier
- + Organic Growth Engine: Top 4.9% in tier
- + Wallet Share Momentum: Top 10.6% in tier
- + Organic Growth Leader: Top 18.8% in tier
- + Relationship Depth Leader: Top 20.9% in tier
- + ROA 1.38% above tier average
- + Net Interest Margin 0.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.7% in tier
- + Loan-to-Share Ratio: Top 2.1% in tier
- + Fee Income Per Member: Top 5.4% in tier
- + Deposit Growth Rate: Top 6.2% in tier
- + Total Delinquency Rate (60+ days): Top 7.1% in tier
- + Asset Growth Rate: Top 8.9% in tier
- + Share Certificate Concentration (%): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 2.9% in tier
- - Liquidity Strain: Bottom 6.6% in tier
- - Cost Spiral: Bottom 15.2% in tier
- - Liquidity Overhang: Bottom 17.3% in tier
- - Total Deposits: Bottom 0.2% in tier
- - Total Assets: Bottom 1.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,341
+2.1% YoY-0.3% QoQ
|
-8.3K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 12.9% in tier |
| Assets |
$102.7M
+10.7% YoY+2.1% QoQ
|
$-128.6M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.7% in tier |
| Loans |
$76.8M
+5.6% YoY+1.7% QoQ
|
$-71.0M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.7% in tier |
| Deposits |
$75.0M
+12.7% YoY+2.1% QoQ
|
$-125.3M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.1% in tier |
| ROA |
2.2%
-31.0% YoY+0.3% QoQ
|
+1.4% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 2.1% in tier |
| NIM |
4.4%
-11.7% YoY+0.2% QoQ
|
+0.8% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
65.2%
+10.9% YoY+0.1% QoQ
|
-12.1% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 15.5% in tier |
| Delinquency Rate |
0.1%
-63.9% YoY+278.6% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
102.4%
-6.3% YoY-0.4% QoQ
|
+29.7% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$20,684
+6.8% YoY+2.2% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
40th in tier |
| CD Concentration |
9.4%
-36.0% YoY-28.2% QoQ
|
-15.1% |
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 (5)
Emerging Performer
growth
#38 of 627 • Top 2.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
2.16%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.10%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#90 of 603 • Top 4.9% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.10%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
2.16%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#293 of 1006 • Top 10.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
6.78%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#248 of 430 • Top 18.8% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.10%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#576 of 1006 • Top 20.9% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
6.78%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.0K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (4)
Margin Compression
decline
#13 of 136 • Bottom 2.9% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
2.16%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.97% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$102.71M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Liquidity Strain
risk
#52 of 258 • Bottom 6.6% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
102.42%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
5.65%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
New qualifier
Cost Spiral
risk
#38 of 62 • Bottom 15.2% in tier
Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Why This Signature
Efficiency Ratio Change:
6.43% points
(Tier:
-2.84% points, National:
-1.81% points)
Efficiency Ratio (Prior Year):
-
(Tier: -, National: -)
Total Assets:
$102.71M
(Tier: $231.30M, National: $547.69M)
62 of 1077 Community CUs have this signature
| 80 nationally
↓ Shrinking
-38 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#268 of 552 • Bottom 17.3% 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:
26.15%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
102.42%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
New qualifier
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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
9
Net Worth Ratio
risk
Value:
26.15%
Peer Avg: 12.15%
#9 of 1077
Top 0.7% in 100M-500M tier
23
Return on Assets (ROA)
profitability
Value:
2.16%
Peer Avg: 0.79%
#23 of 1077
Top 2.0% in 100M-500M tier
24
Loan-to-Share Ratio
balance_sheet
Value:
102.42%
Peer Avg: 72.70%
#24 of 1077
Top 2.1% in 100M-500M tier
59
Fee Income Per Member
profitability
Value:
$299.32
Peer Avg: $174.31
#59 of 1077
Top 5.4% in 100M-500M tier
68
Deposit Growth Rate
growth
Value:
12.72%
Peer Avg: 4.69%
#68 of 1077
Top 6.2% in 100M-500M tier
78
Total Delinquency Rate (60+ days)
risk
Value:
0.14%
Peer Avg: 0.86%
#78 of 1077
Top 7.1% in 100M-500M tier
97
Asset Growth Rate
growth
Value:
10.69%
Peer Avg: 4.70%
#97 of 1077
Top 8.9% in 100M-500M tier
104
Share Certificate Concentration (%)
balance_sheet
Value:
9.35%
Peer Avg: 23.61%
#104 of 1077
Top 9.6% in 100M-500M tier
125
Net Interest Margin (NIM)
profitability
Value:
4.41%
Peer Avg: 3.58%
#125 of 1077
Top 11.5% in 100M-500M tier
Top Weaknesses (6 metrics)
1076
Total Deposits
balance_sheet
Value:
$75.01M
Peer Avg: $200.29M
#1076 of 1077
Bottom 0.2% in 100M-500M tier
1059
Total Assets
balance_sheet
Value:
$102.71M
Peer Avg: $231.30M
#1059 of 1077
Bottom 1.8% in 100M-500M tier
938
Total Members
engagement
Value:
7,341
Peer Avg: 15,628
#938 of 1077
Bottom 13.0% in 100M-500M tier
865
Total Loans
balance_sheet
Value:
$76.83M
Peer Avg: $147.80M
#865 of 1077
Bottom 19.8% in 100M-500M tier
830
First Mortgage Concentration (%)
balance_sheet
Value:
43.01%
Peer Avg: 30.43%
#830 of 1077
Bottom 23.0% in 100M-500M tier
829
Members Per Employee (MPE)
engagement
Value:
262.179
Peer Avg: 332.881
#829 of 1077
Bottom 23.1% in 100M-500M tier