FELLOWSHIP BAPTIST CHURCH

Charter #64252 | IL

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

FELLOWSHIP BAPTIST CHURCH has 10 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + 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 0.6% in tier
  • + Asset Growth Rate: Top 0.8% in tier
  • + AMR Growth Rate: Top 4.0% in tier
  • + Loan Growth Rate: Top 7.6% in tier
  • + Deposit Growth Rate: Top 8.4% in tier
  • + Net Worth Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.09% below tier average
  • - Efficiency ratio 10.90% above tier (higher cost structure)
  • - Member decline: -4.5% YoY
  • - Average Member Relationship (AMR): Bottom 2.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
  • - Total Loans: Bottom 4.1% in tier
  • - Total Deposits: Bottom 4.4% in tier
  • - Total Assets: Bottom 5.5% in tier
  • - Members Per Employee (MPE): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 385
-4.5% YoY+0.8% QoQ
 -2.2K 2,625
-2.2% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Bottom 10.6% in tier
Assets $990,846
+27.9% YoY-1.5% QoQ
 $-28.9M $29.9M
+1.1% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Bottom 5.5% in tier
Loans $170,802
+12.8% YoY-3.3% QoQ
 $-15.6M $15.8M
-2.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Bottom 4.0% in tier
Deposits $541,408
+10.2% YoY+1.6% QoQ
 $-24.9M $25.5M
+0.4% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Bottom 4.4% in tier
ROA 0.6%
-64.5% YoY+36.4% QoQ
 -0.1% 0.7%
-731.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 41st in tier
NIM 3.4%
-20.6% YoY+3.3% QoQ
 -0.6% 3.9%
+3.8% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 29th in tier
Efficiency Ratio 92.3%
+35.5% YoY+1.6% QoQ
 +10.9% 81.4%
-2.4% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Top 19.6% in tier
Delinquency Rate 0.0%
-100.0% YoY
 -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 31.5%
+2.4% YoY-4.8% QoQ
 -29.7% 61.2%
-3.0% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 Bottom 11.2% in tier
AMR $1,850
+16.0% YoY-0.4% QoQ
 $-13K $14,627
-2.7% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 2.7% 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 (10 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
17
Net Charge-Off Rate
risk
Value: -0.76%
Peer Avg: 0.57%
#17 of 2596 Top 0.6% in <100M tier
22
Asset Growth Rate
growth
Value: 27.90%
Peer Avg: 1.82%
#22 of 2596 Top 0.8% in <100M tier
105
AMR Growth Rate
growth
Value: 15.98%
Peer Avg: 4.67%
#105 of 2596 Top 4.0% in <100M tier
199
Loan Growth Rate
growth
Value: 12.79%
Peer Avg: 59.01%
#199 of 2596 Top 7.6% in <100M tier
220
Deposit Growth Rate
growth
Value: 10.18%
Peer Avg: 16.80%
#220 of 2596 Top 8.4% in <100M tier
252
Net Worth Ratio
risk
Value: 26.10%
Peer Avg: 16.43%
#252 of 2596 Top 9.7% in <100M tier

Top Weaknesses (10 metrics)

2526
Average Member Relationship (AMR)
engagement
Value: $1,850
Peer Avg: $14,627
#2526 of 2596 Bottom 2.7% in <100M tier
2513
Loan-to-Member Ratio (LMR)
engagement
Value: $443.64
Peer Avg: $5,488
#2513 of 2596 Bottom 3.2% in <100M tier
2491
Total Loans
balance_sheet
Value: $170,802
Peer Avg: $15.77M
#2491 of 2596 Bottom 4.1% in <100M tier
2482
Total Deposits
balance_sheet
Value: $541,408
Peer Avg: $25.45M
#2482 of 2596 Bottom 4.4% in <100M tier
2454
Total Assets
balance_sheet
Value: $990,846
Peer Avg: $29.86M
#2454 of 2596 Bottom 5.5% in <100M tier
2443
Members Per Employee (MPE)
engagement
Value: 96.250
Peer Avg: 365.701
#2443 of 2596 Bottom 5.9% in <100M tier
2320
Total Members
engagement
Value: 385
Peer Avg: 2,626
#2320 of 2596 Bottom 10.7% in <100M tier
2300
Loan-to-Share Ratio
balance_sheet
Value: 31.55%
Peer Avg: 61.23%
#2300 of 2596 Bottom 11.4% in <100M tier
2088
Efficiency Ratio
profitability
Value: 92.30%
Peer Avg: 81.39%
#2088 of 2596 Bottom 19.6% in <100M tier
2072
Member Growth Rate
growth
Value: -4.47%
Peer Avg: 14.92%
#2072 of 2596 Bottom 20.2% in <100M tier