CONSUMERS

Charter #68588 | IL

3B-5B (76 CUs) Mid-Market (380 CUs)
1 3B-5B in IL

CONSUMERS has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 11.3% in tier
  • + Relationship Depth Leader: Top 29.8% in tier
  • + Wallet Share Momentum: Top 32.0% in tier
  • + Net Interest Margin 0.11% above tier average
  • + Strong member growth: 21.0% YoY
  • + Member Growth Rate: Top 2.6% in tier
  • + Asset Growth Rate: Top 3.9% in tier
  • + Loan Growth Rate: Top 5.3% in tier
  • + Deposit Growth Rate: Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 4.9% in tier
  • - ROA 0.11% below tier average
  • - Delinquency rate 0.06% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 276,500
+21.0% YoY+2.2% QoQ
 +38.0K 238,465
+0.6% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Top 25.0% in tier
Assets $4.4B
+23.9% YoY+2.0% QoQ
 +$414.8M $4.0B
-0.1% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $3.0B
+22.2% YoY+2.3% QoQ
 +$1.9M $3.0B
+3.3% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $3.5B
+23.5% YoY+0.4% QoQ
 +$131.6M $3.3B
+1.1% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 58th in tier
ROA 0.6%
+35.1% YoY+1.4% QoQ
 -0.1% 0.7%
+5.3% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 3.3%
+7.7% YoY+1.5% QoQ
 +0.1% 3.2%
+13.7% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 54th in tier
Efficiency Ratio 67.8%
-7.1% YoY+0.8% QoQ
 -3.5% 71.3%
-0.6% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 40th in tier
Delinquency Rate 0.9%
-28.0% YoY+5.2% QoQ
 +0.1 0.8%
+15.9% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 87.2%
-1.1% YoY+1.9% QoQ
 -3.7% 90.8%
+2.0% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $23,456
+1.5% YoY-0.9% QoQ
 $-6K $29,088
+0.1% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 19.7% in tier
CD Concentration 35.0%
+0.8% YoY-0.5% QoQ
 +6.0% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Top 23.5% in tier
Indirect Auto % 34.4%
-8.4% YoY-0.7% QoQ
 +15.7% 18.8%
-2.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Top 18.2% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#83 of 246 • Top 11.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 21.03%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.64%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 34.45%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#216 of 264 • Top 29.8% in tier

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

Why This Signature
AMR Growth (YoY): 1.54%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.9K
(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

Wallet Share Momentum

growth
#232 of 264 • Top 32.0% in tier

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

Why This Signature
AMR Growth (YoY): 1.54%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk
#31 of 202 • Bottom 4.9% in tier

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

Why This Signature
Asset Growth (YoY): 23.94%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 34.45%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 21.03%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 76 peers in tier

Top Strengths (6 metrics)

3
Member Growth Rate
growth
Value: 21.03%
Peer Avg: 7.02%
#3 of 76 Top 2.6% in 3B-5B tier
4
Asset Growth Rate
growth
Value: 23.94%
Peer Avg: 7.42%
#4 of 76 Top 3.9% in 3B-5B tier
5
Loan Growth Rate
growth
Value: 22.17%
Peer Avg: 9.56%
#5 of 76 Top 5.3% in 3B-5B tier
5
Deposit Growth Rate
growth
Value: 23.53%
Peer Avg: 8.84%
#5 of 76 Top 5.3% in 3B-5B tier
17
First Mortgage Concentration (%)
balance_sheet
Value: 20.11%
Peer Avg: 34.35%
#17 of 76 Top 21.1% in 3B-5B tier
19
Total Members
engagement
Value: 276,500
Peer Avg: 238,466
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (5 metrics)

64
Net Worth Ratio
risk
Value: 9.01%
Peer Avg: 10.75%
#64 of 76 Bottom 17.1% in 3B-5B tier
62
Indirect Auto Concentration (%)
balance_sheet
Value: 34.45%
Peer Avg: 20.57%
#62 of 76 Bottom 19.7% in 3B-5B tier
61
Average Member Relationship (AMR)
engagement
Value: $23,456
Peer Avg: $29,088
#61 of 76 Bottom 21.1% in 3B-5B tier
60
Fee Income Per Member
profitability
Value: $133.55
Peer Avg: $191.96
#60 of 76 Bottom 22.4% in 3B-5B tier
58
Net Charge-Off Rate
risk
Value: 0.85%
Peer Avg: 0.64%
#58 of 76 Bottom 25.0% in 3B-5B tier