BEREAN
Charter #66089 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
BEREAN has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.21% 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
- + Loan Growth Rate: Top 5.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.52% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.8% in tier
- - Total Assets: Bottom 0.9% in tier
- - Total Loans: Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Total Deposits: Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 1.8% in tier
- - Total Members: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
263
+3.1% YoY+0.8% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 6.9% in tier |
| Assets |
$185,137
+1.3% YoY-12.4% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.9% in tier |
| Loans |
$7,842
+16.4% YoY+50.5% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.0% in tier |
| Deposits |
$143,203
+2.7% YoY-11.0% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.2% in tier |
| ROA |
2.9%
-29.5% YoY-24.9% QoQ
|
+2.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 2.5% in tier |
| NIM |
1.5%
+21.0% YoY+5.5% QoQ
|
-2.4% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio |
85.9%
-3.4% YoY+6.6% QoQ
|
+4.5% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
69th 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 |
5.5%
+13.4% YoY+69.2% QoQ
|
-55.8% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$574.3
+0.2% YoY-9.8% 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 % | 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 (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
64
Return on Assets (ROA)
profitability
Value:
2.89%
Peer Avg: 0.68%
#64 of 2596
Top 2.4% in <100M tier
130
Loan Growth Rate
growth
Value:
16.44%
Peer Avg: 59.01%
#130 of 2596
Top 5.0% 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
306
Member Growth Rate
growth
Value:
3.14%
Peer Avg: 14.92%
#306 of 2596
Top 11.7% in <100M tier
420
Fee Income Per Member
profitability
Value:
$143.14
Peer Avg: $182.96
#420 of 2596
Top 16.1% in <100M tier
633
Net Worth Ratio
risk
Value:
19.28%
Peer Avg: 16.43%
#633 of 2596
Top 24.3% in <100M tier
Top Weaknesses (8 metrics)
2583
Average Member Relationship (AMR)
engagement
Value:
$574.32
Peer Avg: $14,627
#2583 of 2596
Bottom 0.5% in <100M tier
2575
Loan-to-Member Ratio (LMR)
engagement
Value:
$29.82
Peer Avg: $5,488
#2575 of 2596
Bottom 0.8% in <100M tier
2573
Total Assets
balance_sheet
Value:
$185,137
Peer Avg: $29.86M
#2573 of 2596
Bottom 0.9% in <100M tier
2571
Total Loans
balance_sheet
Value:
$7,842
Peer Avg: $15.77M
#2571 of 2596
Bottom 1.0% in <100M tier
2565
Loan-to-Share Ratio
balance_sheet
Value:
5.48%
Peer Avg: 61.23%
#2565 of 2596
Bottom 1.2% in <100M tier
2565
Total Deposits
balance_sheet
Value:
$143,203
Peer Avg: $25.45M
#2565 of 2596
Bottom 1.2% in <100M tier
2551
Net Interest Margin (NIM)
profitability
Value:
1.53%
Peer Avg: 3.93%
#2551 of 2596
Bottom 1.8% in <100M tier
2418
Total Members
engagement
Value:
263
Peer Avg: 2,626
#2418 of 2596
Bottom 6.9% in <100M tier