CORPORATE AMERICA FAMILY

Charter #68215 | IL

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in IL

CORPORATE AMERICA FAMILY has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 9.1% in tier
  • + Relationship Depth Leader: Top 23.7% in tier
  • + Net Interest Margin 0.10% above tier average
  • + Share Certificate Concentration (%): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 13.4% in tier
  • - Efficiency Drag: Bottom 17.3% in tier
  • - Growth-at-Risk: Bottom 19.1% in tier
  • - Credit Quality Pressure: Bottom 19.4% in tier
  • - Liquidity Strain: Bottom 24.3% in tier
  • - Stagnation Risk: Bottom 28.7% in tier
  • - Liquidity Overhang: Bottom 31.6% in tier
  • - ROA 0.78% below tier average
  • - Efficiency ratio 17.28% above tier (higher cost structure)
  • - Member decline: -3.1% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 64,138
-3.1% YoY0% QoQ
 +12.0K 52,114
-2.1% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Top 21.4% in tier
Assets $840.3M
+2.3% YoY+0.5% QoQ
 $-18.7M $859.0M
+0.0% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 45th in tier
Loans $636.2M
+6.1% YoY+3.2% QoQ
 +$32.8M $603.4M
+1.0% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $693.6M
+2.2% YoY+1.3% QoQ
 $-40.6M $734.2M
+0.9% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 30th in tier
ROA -0.1%
-106.3% YoY-78.7% QoQ
 -0.8% 0.7%
+27.6% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Bottom 6.2% in tier
NIM 3.5%
+13.3% YoY+1.6% QoQ
 +0.1% 3.4%
+9.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 57th in tier
Efficiency Ratio 91.8%
+25.6% YoY-8.3% QoQ
 +17.3% 74.5%
-3.2% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Top 4.5% in tier
Delinquency Rate 0.6%
+19.9% YoY-9.2% QoQ
 -0.2 0.8%
+5.0% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 46th in tier
Loan To Share 91.7%
+3.8% YoY+1.9% QoQ
 +9.1% 82.7%
+0.1% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 69th in tier
AMR $20,733
+7.3% YoY+2.2% QoQ
 $-8K $28,651
+2.5% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 20.5% in tier
CD Concentration 15.3%
-1.4% YoY-0.7% QoQ
 -9.1% 24.4%
+4.2% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Bottom 20.0% in tier
Indirect Auto % 7.7%
-41.5% YoY-14.8% QoQ
 -6.3% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#251 of 1006 • Top 9.1% in tier

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

Why This Signature
AMR Growth (YoY): 7.33%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#655 of 1006 • Top 23.7% in tier

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

Why This Signature
AMR Growth (YoY): 7.33%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (7)

Membership Headwinds

decline
#221 of 550 • Bottom 13.4% in tier

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

Why This Signature
Member Growth (YoY): -3.05%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#306 of 521 • Bottom 17.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 91.80%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.27% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -3.05%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Growth-at-Risk

risk
#287 of 446 • Bottom 19.1% in tier

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

Why This Signature
Loan Growth (YoY): 6.10%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#480 of 736 • Bottom 19.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Strain

risk
#189 of 258 • Bottom 24.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.72%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.10%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Stagnation Risk

risk
#473 of 550 • Bottom 28.7% 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: -0.07%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.05%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 15.30%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#489 of 552 • Bottom 31.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.19%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.72%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 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 112 peers in tier

Top Strengths (6 metrics)

11
Share Certificate Concentration (%)
balance_sheet
Value: 15.30%
Peer Avg: 28.34%
#11 of 112 Top 8.9% in 750M-1B tier
20
First Mortgage Concentration (%)
balance_sheet
Value: 18.93%
Peer Avg: 33.64%
#20 of 112 Top 17.0% in 750M-1B tier
23
Net Worth Ratio
risk
Value: 13.19%
Peer Avg: 11.52%
#23 of 112 Top 19.6% in 750M-1B tier
23
Members Per Employee (MPE)
engagement
Value: 416.481
Peer Avg: 361.634
#23 of 112 Top 19.6% in 750M-1B tier
24
Total Members
engagement
Value: 64,138
Peer Avg: 52,114
#24 of 112 Top 20.5% in 750M-1B tier
25
AMR Growth Rate
growth
Value: 7.33%
Peer Avg: 4.90%
#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (5 metrics)

108
Efficiency Ratio
profitability
Value: 91.80%
Peer Avg: 74.52%
#108 of 112 Bottom 4.5% in 750M-1B tier
105
Return on Assets (ROA)
profitability
Value: -0.07%
Peer Avg: 0.71%
#105 of 112 Bottom 7.1% in 750M-1B tier
100
Fee Income Per Member
profitability
Value: $125.97
Peer Avg: $204.75
#100 of 112 Bottom 11.6% in 750M-1B tier
97
Member Growth Rate
growth
Value: -3.05%
Peer Avg: 1.14%
#97 of 112 Bottom 14.3% in 750M-1B tier
89
Average Member Relationship (AMR)
engagement
Value: $20,733
Peer Avg: $28,651
#89 of 112 Bottom 21.4% in 750M-1B tier