ILLIANA FINANCIAL
Charter #68425 | IL
100M-500M
(1077 CUs)
Micro
($0-$500M)
31 100M-500M in IL
ILLIANA FINANCIAL has 2 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.05% above tier average
- + Net Worth Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.3% in tier
- - Institutional Decline: Bottom 8.8% in tier
- - Membership Headwinds: Bottom 12.8% in tier
- - Stagnation Risk: Bottom 22.1% in tier
- - Flatlined Growth: Bottom 47.6% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 0.76% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
- - Member decline: -3.3% YoY
- - Net Charge-Off Rate: Bottom 7.8% in tier
- - Loan Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,004
-3.3% YoY-1.1% QoQ
|
+5.4K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 22.4% in tier |
| Assets |
$252.7M
-1.0% YoY-0.1% QoQ
|
+$21.4M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
65th in tier |
| Loans |
$121.2M
-6.7% YoY-2.1% QoQ
|
$-26.6M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
48th in tier |
| Deposits |
$216.0M
-1.3% YoY-1.0% QoQ
|
+$15.7M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
63rd in tier |
| ROA |
0.6%
+87.4% YoY+20.6% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
36th in tier |
| NIM |
3.6%
+1.2% YoY+0.5% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
53rd in tier |
| Efficiency Ratio |
78.0%
-3.4% YoY-1.7% QoQ
|
+0.8% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
54th in tier |
| Delinquency Rate |
1.5%
-4.4% YoY-4.5% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 14.1% in tier |
| Loan To Share |
56.1%
-5.4% YoY-1.0% QoQ
|
-16.6% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 16.4% in tier |
| AMR |
$16,054
-0.1% YoY-0.3% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.7% in tier |
| CD Concentration |
20.8%
+3.1% YoY+1.5% QoQ
|
-3.7% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
12.6%
+0.5% YoY+0.6% QoQ
|
-1.4% |
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 (5)
Liquidity Overhang
risk
#36 of 552 • Bottom 2.3% 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:
17.80%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
56.13%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
Institutional Decline
decline
#70 of 256 • Bottom 8.8% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$252.66M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-3.27%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-6.70%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank improving
Membership Headwinds
decline
#211 of 550 • Bottom 12.8% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-3.27%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Stagnation Risk
risk
#365 of 550 • Bottom 22.1% 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:
0.55%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-3.27%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$16.1K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
20.75%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Flatlined Growth
risk
#50 of 58 • Bottom 47.6% in tier
Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$252.66M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
-1.04%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
0.55%
(Tier:
0.77%, National:
0.71%)
58 of 1077 Community CUs have this signature
| 82 nationally
↑ Growing
+10 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)
Top Strengths (3 metrics)
60
Net Worth Ratio
risk
Value:
17.80%
Peer Avg: 12.15%
#60 of 1077
Top 5.5% in 100M-500M tier
241
Total Members
engagement
Value:
21,004
Peer Avg: 15,628
#241 of 1077
Top 22.3% in 100M-500M tier
260
Members Per Employee (MPE)
engagement
Value:
381.891
Peer Avg: 332.881
#260 of 1077
Top 24.0% in 100M-500M tier
Top Weaknesses (10 metrics)
994
Net Charge-Off Rate
risk
Value:
1.11%
Peer Avg: 0.47%
#994 of 1077
Bottom 7.8% in 100M-500M tier
991
Loan Growth Rate
growth
Value:
-6.70%
Peer Avg: 3.45%
#991 of 1077
Bottom 8.1% in 100M-500M tier
954
Deposit Growth Rate
growth
Value:
-1.33%
Peer Avg: 4.69%
#954 of 1077
Bottom 11.5% in 100M-500M tier
949
Loan-to-Member Ratio (LMR)
engagement
Value:
$5,772
Peer Avg: $10,245
#949 of 1077
Bottom 12.0% in 100M-500M tier
931
Asset Growth Rate
growth
Value:
-1.04%
Peer Avg: 4.70%
#931 of 1077
Bottom 13.6% in 100M-500M tier
929
Average Member Relationship (AMR)
engagement
Value:
$16,054
Peer Avg: $24,363
#929 of 1077
Bottom 13.8% in 100M-500M tier
926
Total Delinquency Rate (60+ days)
risk
Value:
1.50%
Peer Avg: 0.86%
#926 of 1077
Bottom 14.1% in 100M-500M tier
900
Loan-to-Share Ratio
balance_sheet
Value:
56.13%
Peer Avg: 72.70%
#900 of 1077
Bottom 16.5% in 100M-500M tier
894
Member Growth Rate
growth
Value:
-3.27%
Peer Avg: 0.72%
#894 of 1077
Bottom 17.1% in 100M-500M tier
847
AMR Growth Rate
growth
Value:
-0.06%
Peer Avg: 3.64%
#847 of 1077
Bottom 21.4% in 100M-500M tier