ALLIANT

Charter #67955 | IL

10B+ (21 CUs) Titans (21 CUs)
1 10B+ in IL

ALLIANT has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 14.3% in tier
  • + Organic Growth Engine: Top 16.7% in tier
  • + Strong member growth: 5.8% YoY
  • + Efficiency Ratio: Top 0.0% in tier
  • + Members Per Employee (MPE): Top 0.0% in tier
  • + Loan Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 2.4% in tier
  • - Liquidity Strain: Bottom 3.1% in tier
  • - Credit Quality Pressure: Bottom 7.8% in tier
  • - Shrinking Wallet Share: Bottom 15.0% in tier
  • - ROA 0.16% below tier average
  • - Fee Income Per Member: Bottom 4.8% in tier
  • - Net Interest Margin (NIM): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 941,349
+5.8% YoY+1.8% QoQ
 -881.1K 1,822,416
+4.1% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $20.3B
-0.1% YoY+1.8% QoQ
 $-8.4B $28.7B
+4.2% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 57th in tier
Loans $16.1B
+11.2% YoY+2.3% QoQ
 $-5.0B $21.1B
+5.8% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $15.9B
-0.4% YoY-0.4% QoQ
 $-8.6B $24.4B
+7.2% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 52nd in tier
ROA 0.6%
+12.1% YoY-1.6% QoQ
 -0.2% 0.8%
+17.7% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 43rd in tier
NIM 2.2%
+9.5% YoY+2.5% QoQ
 -0.9% 3.1%
+10.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 4.8% in tier
Efficiency Ratio 48.6%
-9.7% YoY-2.8% QoQ
 -15.7% 64.3%
-4.3% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Bottom 0.0% in tier
Delinquency Rate 1.1%
+21.4% YoY+38.0% QoQ
 -0.1 1.2%
+9.7% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 43rd in tier
Loan To Share 101.7%
+11.7% YoY+2.7% QoQ
 +11.8% 89.8%
-0.3% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 19.0% in tier
AMR $33,960
-0.7% YoY-0.8% QoQ
 +$3K $31,184
+7.8% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 38.0%
-10.0% YoY+1.0% QoQ
 +6.1% 31.9%
+2.0% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Top 23.8% in tier
Indirect Auto % 1.5%
-49.5% YoY-21.0% QoQ
 -12.8% 14.2%
-8.9% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Bottom 14.3% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#6 of 12 • Top 14.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.83%
(Tier: 3.59%, National: 9.37%)
better than tier avg
12 of 21 Titans CUs have this signature | 608 nationally
→ Stable (11→12 CUs) +1 CUs YoY | Rank worsening

Organic Growth Engine

growth
#10 of 18 • Top 16.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.83%
(Tier: 3.59%, National: 9.37%)
better than tier avg
Return on Assets: 0.61%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 1.46%
(Tier: 14.25%, National: 7.90%)
better than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs) | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#2 of 14 • Bottom 2.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.21%
(Tier: 6.37%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.20% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY | New qualifier

Liquidity Strain

risk
#2 of 11 • Bottom 3.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 101.65%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.21%
(Tier: 6.37%, National: 36.38%)
but better than tier avg
11 of 21 Titans CUs have this signature | 484 nationally
→ Stable (11→11 CUs) | Rank improving

Credit Quality Pressure

risk
#5 of 15 • Bottom 7.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.20% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#4 of 4 • Bottom 15.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.68%
(Tier: 2.80%, National: 4.19%)
worse than tier avg
4 of 21 Titans CUs have this signature | 346 nationally
↓ Shrinking -9 CUs YoY | Rank improving

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 21 peers in tier

Top Strengths (7 metrics)

1
Efficiency Ratio
profitability
Value: 48.59%
Peer Avg: 64.29%
#1 of 21 Top 0.0% in 10B+ tier
1
Members Per Employee (MPE)
engagement
Value: 1036.728
Peer Avg: 499.855
#1 of 21 Top 0.0% in 10B+ tier
3
Loan Growth Rate
growth
Value: 11.21%
Peer Avg: 6.37%
#3 of 21 Top 9.5% in 10B+ tier
4
Loan-to-Share Ratio
balance_sheet
Value: 101.65%
Peer Avg: 89.80%
#4 of 21 Top 14.3% in 10B+ tier
4
Indirect Auto Concentration (%)
balance_sheet
Value: 1.46%
Peer Avg: 14.25%
#4 of 21 Top 14.3% in 10B+ tier
5
Loan-to-Member Ratio (LMR)
engagement
Value: $17,119
Peer Avg: $14,676
#5 of 21 Top 19.0% in 10B+ tier
6
Average Member Relationship (AMR)
engagement
Value: $33,960
Peer Avg: $31,184
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (6 metrics)

21
Fee Income Per Member
profitability
Value: $50.86
Peer Avg: $171.28
#21 of 21 Bottom 4.8% in 10B+ tier
20
Net Interest Margin (NIM)
profitability
Value: 2.24%
Peer Avg: 3.11%
#20 of 21 Bottom 9.5% in 10B+ tier
19
Net Worth Ratio
risk
Value: 8.83%
Peer Avg: 10.22%
#19 of 21 Bottom 14.3% in 10B+ tier
18
Deposit Growth Rate
growth
Value: -0.45%
Peer Avg: 6.48%
#18 of 21 Bottom 19.0% in 10B+ tier
18
AMR Growth Rate
growth
Value: -0.68%
Peer Avg: 2.80%
#18 of 21 Bottom 19.0% in 10B+ tier
17
Share Certificate Concentration (%)
balance_sheet
Value: 37.97%
Peer Avg: 31.91%
#17 of 21 Bottom 23.8% in 10B+ tier