B.E.A.
Charter #65759 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
B.E.A. has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
- + Net Interest Margin 1.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.5% in tier
- + Net Worth Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.32% above tier average
- - Member decline: -3.0% YoY
- - Asset Growth Rate: Bottom 2.6% in tier
- - Deposit Growth Rate: Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
426
-3.0% YoY-0.7% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 11.9% in tier |
| Assets |
$2.3M
-13.3% YoY-4.9% QoQ
|
$-27.5M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.0% in tier |
| Loans |
$2.0M
-7.2% YoY-2.6% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 17.5% in tier |
| Deposits |
$1.6M
-14.1% YoY-7.3% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.6% in tier |
| ROA |
1.3%
+49.3% YoY-12.4% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
73rd in tier |
| NIM |
5.1%
+22.9% YoY-0.8% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
76.1%
-5.4% YoY+4.3% QoQ
|
-5.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
44th in tier |
| Delinquency Rate |
2.8%
+474.2% YoY-6.5% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 13.1% in tier |
| Loan To Share |
122.2%
+8.1% YoY+5.1% QoQ
|
+61.0% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 0.7% in tier |
| AMR |
$8,512
-7.7% YoY-4.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.8% 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)
Top Strengths (6 metrics)
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
15
Loan-to-Share Ratio
balance_sheet
Value:
122.22%
Peer Avg: 61.23%
#15 of 2596
Top 0.5% in <100M tier
208
Net Worth Ratio
risk
Value:
27.39%
Peer Avg: 16.43%
#208 of 2596
Top 8.0% in <100M tier
301
Net Interest Margin (NIM)
profitability
Value:
5.14%
Peer Avg: 3.93%
#301 of 2596
Top 11.6% in <100M tier
Top Weaknesses (12 metrics)
2529
Asset Growth Rate
growth
Value:
-13.30%
Peer Avg: 1.82%
#2529 of 2596
Bottom 2.6% in <100M tier
2503
Deposit Growth Rate
growth
Value:
-14.14%
Peer Avg: 16.80%
#2503 of 2596
Bottom 3.6% in <100M tier
2322
Total Deposits
balance_sheet
Value:
$1.63M
Peer Avg: $25.45M
#2322 of 2596
Bottom 10.6% in <100M tier
2310
Total Assets
balance_sheet
Value:
$2.34M
Peer Avg: $29.86M
#2310 of 2596
Bottom 11.1% in <100M tier
2308
AMR Growth Rate
growth
Value:
-7.71%
Peer Avg: 4.67%
#2308 of 2596
Bottom 11.1% in <100M tier
2287
Total Members
engagement
Value:
426
Peer Avg: 2,626
#2287 of 2596
Bottom 11.9% in <100M tier
2258
Total Delinquency Rate (60+ days)
risk
Value:
2.82%
Peer Avg: 1.51%
#2258 of 2596
Bottom 13.1% in <100M tier
2142
Total Loans
balance_sheet
Value:
$1.99M
Peer Avg: $15.77M
#2142 of 2596
Bottom 17.5% in <100M tier
2133
Members Per Employee (MPE)
engagement
Value:
213.000
Peer Avg: 365.701
#2133 of 2596
Bottom 17.9% in <100M tier
2041
Fee Income Per Member
profitability
Value:
$13.02
Peer Avg: $182.96
#2041 of 2596
Bottom 21.4% in <100M tier