MEA
Charter #65896 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
MEA has 11 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.06% above tier average
- + 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
- + Asset Growth Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 1.9% in tier
- + Efficiency Ratio: Top 2.1% in tier
- + Loan Growth Rate: Top 3.4% in tier
- + AMR Growth Rate: Top 3.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 2.1% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Assets: Bottom 4.4% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Net Worth Ratio: Bottom 6.9% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
- - Total Loans: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
123
+3.4% YoY-0.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 2.1% in tier |
| Assets |
$749,257
+19.9% YoY-3.7% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.4% in tier |
| Loans |
$549,564
+19.7% YoY-9.7% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.0% in tier |
| Deposits |
$685,272
+21.2% YoY-4.6% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.2% in tier |
| ROA |
1.7%
-50.6% YoY-2.3% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 14.0% in tier |
| NIM |
2.9%
-5.8% YoY-4.0% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 15.1% in tier |
| Efficiency Ratio |
39.9%
+57.1% YoY-2.5% QoQ
|
-41.5% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate | 0.0% | -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 |
80.2%
-1.2% YoY-5.3% QoQ
|
+19.0% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 22.3% in tier |
| AMR |
$10,039
+16.6% YoY-6.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
29th 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 (13 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
48
Asset Growth Rate
growth
Value:
19.94%
Peer Avg: 1.82%
#48 of 2596
Top 1.8% in <100M tier
51
Deposit Growth Rate
growth
Value:
21.23%
Peer Avg: 16.80%
#51 of 2596
Top 1.9% in <100M tier
56
Efficiency Ratio
profitability
Value:
39.92%
Peer Avg: 81.39%
#56 of 2596
Top 2.1% in <100M tier
90
Loan Growth Rate
growth
Value:
19.74%
Peer Avg: 59.01%
#90 of 2596
Top 3.4% in <100M tier
98
AMR Growth Rate
growth
Value:
16.64%
Peer Avg: 4.67%
#98 of 2596
Top 3.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (8 metrics)
2542
Total Members
engagement
Value:
123
Peer Avg: 2,626
#2542 of 2596
Bottom 2.1% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2482
Total Assets
balance_sheet
Value:
$749,257
Peer Avg: $29.86M
#2482 of 2596
Bottom 4.4% in <100M tier
2460
Total Deposits
balance_sheet
Value:
$685,272
Peer Avg: $25.45M
#2460 of 2596
Bottom 5.3% in <100M tier
2418
Net Worth Ratio
risk
Value:
8.54%
Peer Avg: 16.43%
#2418 of 2596
Bottom 6.9% in <100M tier
2398
Members Per Employee (MPE)
engagement
Value:
123.000
Peer Avg: 365.701
#2398 of 2596
Bottom 7.7% in <100M tier
2388
Total Loans
balance_sheet
Value:
$549,564
Peer Avg: $15.77M
#2388 of 2596
Bottom 8.1% in <100M tier
2203
Net Interest Margin (NIM)
profitability
Value:
2.89%
Peer Avg: 3.93%
#2203 of 2596
Bottom 15.2% in <100M tier