ST. HELENA PARISH
Charter #66296 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
ST. HELENA PARISH has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 7.30% above tier average
- + Net Interest Margin 2.52% 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
- + Fee Income Per Member: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 1.8% in tier
- - Total Deposits: Bottom 2.2% in tier
- - Total Members: Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Total Loans: Bottom 3.4% in tier
- - Average Member Relationship (AMR): Bottom 4.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
153
-2.5% YoY+4.1% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 3.1% in tier |
| Assets |
$301,171
+6.4% YoY+1.9% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.7% in tier |
| Loans |
$141,665
-6.2% YoY+10.9% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.4% in tier |
| Deposits |
$251,358
+6.7% YoY+3.5% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.1% in tier |
| ROA |
8.0%
+71.0% YoY-42.8% QoQ
|
+7.3% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 0.3% in tier |
| NIM |
6.5%
-14.9% YoY-4.2% QoQ
|
+2.5% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
60.6%
-30.0% YoY+23.3% QoQ
|
-20.8% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.8% 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 |
56.4%
-12.1% YoY+7.2% QoQ
|
-4.9% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
42nd in tier |
| AMR |
$2,569
+4.3% YoY+1.9% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.0% 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
9
Return on Assets (ROA)
profitability
Value:
7.98%
Peer Avg: 0.68%
#9 of 2596
Top 0.3% in <100M tier
66
Net Interest Margin (NIM)
profitability
Value:
6.45%
Peer Avg: 3.93%
#66 of 2596
Top 2.5% in <100M tier
75
Fee Income Per Member
profitability
Value:
$268.91
Peer Avg: $182.96
#75 of 2596
Top 2.9% in <100M tier
385
Efficiency Ratio
profitability
Value:
60.57%
Peer Avg: 81.39%
#385 of 2596
Top 14.8% in <100M tier
446
Deposit Growth Rate
growth
Value:
6.73%
Peer Avg: 16.80%
#446 of 2596
Top 17.1% in <100M tier
495
Asset Growth Rate
growth
Value:
6.35%
Peer Avg: 1.82%
#495 of 2596
Top 19.0% in <100M tier
Top Weaknesses (8 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2551
Total Assets
balance_sheet
Value:
$301,171
Peer Avg: $29.86M
#2551 of 2596
Bottom 1.8% in <100M tier
2541
Total Deposits
balance_sheet
Value:
$251,358
Peer Avg: $25.45M
#2541 of 2596
Bottom 2.2% in <100M tier
2515
Total Members
engagement
Value:
153
Peer Avg: 2,626
#2515 of 2596
Bottom 3.2% in <100M tier
2512
Net Charge-Off Rate
risk
Value:
2.90%
Peer Avg: 0.57%
#2512 of 2596
Bottom 3.3% in <100M tier
2508
Total Loans
balance_sheet
Value:
$141,665
Peer Avg: $15.77M
#2508 of 2596
Bottom 3.4% in <100M tier
2492
Average Member Relationship (AMR)
engagement
Value:
$2,569
Peer Avg: $14,627
#2492 of 2596
Bottom 4.0% in <100M tier
2447
Loan-to-Member Ratio (LMR)
engagement
Value:
$925.92
Peer Avg: $5,488
#2447 of 2596
Bottom 5.8% in <100M tier