COOPERATIVE CHOICE NETWORK

Charter #63783 | IL

100M-500M (1077 CUs) Micro
31 100M-500M in IL

COOPERATIVE CHOICE NETWORK has 10 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.8% in tier
  • + Wallet Share Momentum: Top 7.8% in tier
  • + Emerging Performer: Top 13.2% in tier
  • + Organic Growth Engine: Top 17.8% in tier
  • + Relationship Depth Leader: Top 20.0% in tier
  • + Strong member growth: 8.5% YoY
  • + Asset Growth Rate: Top 2.3% in tier
  • + Deposit Growth Rate: Top 2.3% in tier
  • + Member Growth Rate: Top 4.4% in tier
  • + First Mortgage Concentration (%): Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 11.6% in tier
  • - Liquidity Overhang: Bottom 19.5% in tier
  • - Indirect Auto Dependency: Bottom 21.1% in tier
  • - Credit Quality Pressure: Bottom 21.6% in tier
  • - Efficiency Drag: Bottom 28.8% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 3.35% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 12,486
+8.5% YoY-0.6% QoQ
 -3.1K 15,628
-3.4% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 44th in tier
Assets $198.8M
+20.4% YoY-1.6% QoQ
 $-32.5M $231.3M
-0.0% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 50th in tier
Loans $112.3M
+11.8% YoY+1.2% QoQ
 $-35.5M $147.8M
-1.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 43rd in tier
Deposits $173.5M
+20.7% YoY-2.1% QoQ
 $-26.8M $200.3M
-0.0% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 0.4%
+192.4% YoY+49.6% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Bottom 22.5% in tier
NIM 2.8%
+10.6% YoY+5.0% QoQ
 -0.8% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 11.5% in tier
Efficiency Ratio 80.6%
-10.0% YoY-4.0% QoQ
 +3.3% 77.3%
-3.0% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 63rd in tier
Delinquency Rate 0.4%
+22.4% YoY-4.2% QoQ
 -0.4 0.9%
+7.6% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 28th in tier
Loan To Share 64.7%
-7.3% YoY+3.3% QoQ
 -8.0% 72.7%
-1.5% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 31st in tier
AMR $22,886
+7.9% YoY-0.2% QoQ
 $-1K $24,363
+2.9% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 32.0%
+5.4% YoY-0.4% QoQ
 +7.6% 24.4%
+4.2% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 16.8%
-7.2% YoY+0.7% QoQ
 +2.9% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Organic Growth Leader

growth
#38 of 430 • Top 2.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.53%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth
#216 of 1006 • Top 7.8% in tier

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

Why This Signature
AMR Growth (YoY): 7.86%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#249 of 627 • Top 13.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.37%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 8.53%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#326 of 603 • Top 17.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.53%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.37%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 16.84%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Relationship Depth Leader

growth
#553 of 1006 • Top 20.0% in tier

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

Why This Signature
AMR Growth (YoY): 7.86%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Growth-at-Risk

risk
#175 of 446 • Bottom 11.6% in tier

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

Why This Signature
Loan Growth (YoY): 11.84%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#303 of 552 • Bottom 19.5% 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: 12.93%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 64.70%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#340 of 525 • Bottom 21.1% in tier

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

Why This Signature
Asset Growth (YoY): 20.42%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 16.84%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 8.53%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk
#536 of 736 • Bottom 21.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk
#509 of 521 • Bottom 28.8% in tier

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

Why This Signature
Efficiency Ratio: 80.62%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.24% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 8.53%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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 1077 peers in tier

Top Strengths (7 metrics)

26
Asset Growth Rate
growth
Value: 20.42%
Peer Avg: 4.70%
#26 of 1077 Top 2.3% in 100M-500M tier
26
Deposit Growth Rate
growth
Value: 20.70%
Peer Avg: 4.69%
#26 of 1077 Top 2.3% in 100M-500M tier
48
Member Growth Rate
growth
Value: 8.53%
Peer Avg: 0.72%
#48 of 1077 Top 4.4% in 100M-500M tier
85
First Mortgage Concentration (%)
balance_sheet
Value: 6.35%
Peer Avg: 30.43%
#85 of 1077 Top 7.8% in 100M-500M tier
117
Loan Growth Rate
growth
Value: 11.84%
Peer Avg: 3.45%
#117 of 1077 Top 10.8% in 100M-500M tier
152
Members Per Employee (MPE)
engagement
Value: 430.552
Peer Avg: 332.881
#152 of 1077 Top 14.0% in 100M-500M tier
168
AMR Growth Rate
growth
Value: 7.86%
Peer Avg: 3.64%
#168 of 1077 Top 15.5% in 100M-500M tier

Top Weaknesses (3 metrics)

953
Net Interest Margin (NIM)
profitability
Value: 2.77%
Peer Avg: 3.58%
#953 of 1077 Bottom 11.6% in 100M-500M tier
840
Share Certificate Concentration (%)
balance_sheet
Value: 32.02%
Peer Avg: 23.61%
#840 of 1077 Bottom 22.1% in 100M-500M tier
835
Return on Assets (ROA)
profitability
Value: 0.37%
Peer Avg: 0.79%
#835 of 1077 Bottom 22.6% in 100M-500M tier