BETHEL A.M.E. CHURCH
Charter #65680 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
BETHEL A.M.E. CHURCH has 1 strength but faces 18 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.62% below tier average
- - Efficiency ratio 167.27% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.2% in tier
- - Total Deposits: Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Average Member Relationship (AMR): Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Total Members: Bottom 1.1% in tier
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
92
0% YoY+3.4% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 1.0% in tier |
| Assets |
$53,337
-7.5% YoY-0.4% QoQ
|
$-29.8M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.1% in tier |
| Loans | $0.0 | $-15.8M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits |
$44,439
-7.9% YoY-0.4% QoQ
|
$-25.4M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.3% in tier |
| ROA |
-1.9%
-71.5% YoY-22.8% QoQ
|
-2.6% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.2% in tier |
| NIM |
1.3%
+67.9% YoY-13.7% QoQ
|
-2.6% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
248.7%
-74.5% YoY-6.6% QoQ
|
+167.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 0.8% in tier |
| Delinquency Rate | - | - |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
- |
| Loan To Share | 0.0% | -61.2% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$483.0
-7.9% YoY-3.6% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.5% 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 % | - | - |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
- |
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)
Top Strengths (1 metrics)
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
Top Weaknesses (20 metrics)
2596
Loan Growth Rate
growth
Value:
-
Peer Avg: 59.01%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Avg: 1.51%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Net Charge-Off Rate
risk
Value:
-
Peer Avg: 0.57%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Avg: 2.84%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Avg: 14.49%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2593
Total Assets
balance_sheet
Value:
$53,337
Peer Avg: $29.86M
#2593 of 2596
Bottom 0.2% in <100M tier
2587
Total Deposits
balance_sheet
Value:
$44,439
Peer Avg: $25.45M
#2587 of 2596
Bottom 0.4% in <100M tier
2584
Loan-to-Share Ratio
balance_sheet
Value:
0.00%
Peer Avg: 61.23%
#2584 of 2596
Bottom 0.5% in <100M tier
2584
Average Member Relationship (AMR)
engagement
Value:
$483.03
Peer Avg: $14,627
#2584 of 2596
Bottom 0.5% in <100M tier