SCOTT

Charter #66370 | IL

1B-3B (304 CUs) Mid-Market (380 CUs)
9 1B-3B in IL

SCOTT has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 8.0% in tier
  • + Relationship Depth Leader: Top 10.8% in tier
  • + Emerging Performer: Top 26.1% in tier
  • + ROA 0.05% above tier average
  • + Net Interest Margin 0.60% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 7.0% in tier
  • - Membership Headwinds: Bottom 8.0% in tier
  • - Stagnation Risk: Bottom 11.3% in tier
  • - Institutional Decline: Bottom 11.8% in tier
  • - Delinquency rate 0.11% above tier average
  • - Member decline: -6.3% YoY
  • - Member Growth Rate: Bottom 7.2% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
  • - Average Member Relationship (AMR): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 134,916
-6.3% YoY-1.4% QoQ
 +36.2K 98,678
-1.9% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Top 19.7% in tier
Assets $1.8B
+3.2% YoY-1.7% QoQ
 +$54.0M $1.7B
+0.5% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $1.2B
-1.3% YoY+3.3% QoQ
 $-82.8M $1.2B
+0.5% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 55th in tier
Deposits $1.6B
+2.5% YoY-2.1% QoQ
 +$120.6M $1.5B
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 63rd in tier
ROA 0.8%
+28.0% YoY+33.1% QoQ
 +0.1% 0.7%
+13.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 3.9%
+3.5% YoY+1.9% QoQ
 +0.6% 3.3%
+9.3% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Top 15.5% in tier
Efficiency Ratio 71.2%
+3.1% YoY-0.9% QoQ
 -2.8% 74.0%
-10.9% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 35th in tier
Delinquency Rate 0.9%
-15.5% YoY-2.8% QoQ
 +0.1 0.8%
+6.1% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 72nd in tier
Loan To Share 73.0%
-3.7% YoY+5.6% QoQ
 -12.2% 85.2%
-0.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 Bottom 18.8% in tier
AMR $20,199
+7.6% YoY+1.5% QoQ
 $-9K $29,172
+2.8% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 8.2% in tier
CD Concentration 21.4%
-4.1% YoY-0.5% QoQ
 -7.6% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Bottom 17.2% in tier
Indirect Auto % 35.7%
-14.4% YoY-3.0% QoQ
 +16.9% 18.8%
-2.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Top 16.6% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#59 of 264 • Top 8.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.56%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#79 of 264 • Top 10.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.56%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#139 of 184 • Top 26.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.76%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -6.26%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#44 of 202 • Bottom 7.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.24%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 35.74%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -6.26%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Membership Headwinds

decline
#20 of 85 • Bottom 8.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.26%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Stagnation Risk

risk
#28 of 85 • Bottom 11.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.76%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -6.26%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.2K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 21.39%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY

Institutional Decline

decline
#13 of 31 • Bottom 11.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.77B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -6.26%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.35%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | Rank worsening

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)

Comparing against 304 peers in tier

Top Strengths (4 metrics)

47
Net Interest Margin (NIM)
profitability
Value: 3.86%
Peer Avg: 3.26%
#47 of 304 Top 15.1% in 1B-3B tier
49
AMR Growth Rate
growth
Value: 7.56%
Peer Avg: 3.29%
#49 of 304 Top 15.8% in 1B-3B tier
57
Share Certificate Concentration (%)
balance_sheet
Value: 21.39%
Peer Avg: 28.53%
#57 of 304 Top 18.4% in 1B-3B tier
60
Total Members
engagement
Value: 134,916
Peer Avg: 98,678
#60 of 304 Top 19.4% in 1B-3B tier

Top Weaknesses (8 metrics)

283
Member Growth Rate
growth
Value: -6.26%
Peer Avg: 2.20%
#283 of 304 Bottom 7.2% in 1B-3B tier
281
Loan-to-Member Ratio (LMR)
engagement
Value: $8,526
Peer Avg: $13,213
#281 of 304 Bottom 7.9% in 1B-3B tier
279
Average Member Relationship (AMR)
engagement
Value: $20,199
Peer Avg: $29,172
#279 of 304 Bottom 8.6% in 1B-3B tier
271
Net Charge-Off Rate
risk
Value: 1.10%
Peer Avg: 0.60%
#271 of 304 Bottom 11.2% in 1B-3B tier
256
Indirect Auto Concentration (%)
balance_sheet
Value: 35.74%
Peer Avg: 18.32%
#256 of 304 Bottom 16.1% in 1B-3B tier
251
Loan Growth Rate
growth
Value: -1.35%
Peer Avg: 5.27%
#251 of 304 Bottom 17.8% in 1B-3B tier
247
Loan-to-Share Ratio
balance_sheet
Value: 73.04%
Peer Avg: 85.19%
#247 of 304 Bottom 19.1% in 1B-3B tier
237
Fee Income Per Member
profitability
Value: $160.35
Peer Avg: $210.52
#237 of 304 Bottom 22.4% in 1B-3B tier