EMPEOPLE

Charter #68598 | IL

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

EMPEOPLE has 10 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 7.5% in tier
  • + Organic Growth Leader: Top 8.2% in tier
  • + Organic Growth Engine: Top 12.4% in tier
  • + Wallet Share Momentum: Top 18.8% in tier
  • + Strong member growth: 6.2% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 0.7% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.6% in tier
  • + Average Member Relationship (AMR): Top 2.3% in tier
  • + Asset Growth Rate: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 5.0% in tier
  • - ROA 0.27% below tier average
  • - Efficiency ratio 4.98% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 3.0% in tier
  • - First Mortgage Concentration (%): 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 77,135
+6.2% YoY+0.9% QoQ
 -21.5K 98,678
-1.9% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 36th in tier
Assets $2.2B
+12.8% YoY+2.7% QoQ
 +$477.6M $1.7B
+0.5% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Top 25.0% in tier
Loans $1.9B
+12.1% YoY+1.5% QoQ
 +$687.7M $1.2B
+0.5% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Top 10.5% in tier
Deposits $1.9B
+9.4% YoY-0.8% QoQ
 +$466.1M $1.5B
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Top 22.0% in tier
ROA 0.4%
+59.4% YoY-12.2% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Bottom 24.7% in tier
NIM 2.8%
+22.3% YoY+0.6% QoQ
 -0.4% 3.3%
+9.3% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 20.7% in tier
Efficiency Ratio 79.0%
-3.4% YoY+0.8% QoQ
 +5.0% 74.0%
-10.9% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 68th in tier
Delinquency Rate 0.7%
-7.4% YoY+4.4% QoQ
 -0.1 0.8%
+6.1% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 100.0%
+2.5% YoY+2.3% QoQ
 +14.8% 85.2%
-0.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 15.1% in tier
AMR $49,798
+4.3% YoY-0.6% QoQ
 +$21K $29,172
+2.8% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Top 2.6% in tier
CD Concentration 36.3%
-5.0% YoY+3.2% QoQ
 +7.3% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Top 19.0% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#55 of 264 • Top 7.5% in tier

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

Why This Signature
AMR Growth (YoY): 4.30%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.1K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Leader

growth
#33 of 138 • Top 8.2% in tier

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

Why This Signature
Member Growth (YoY): 6.16%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#91 of 246 • Top 12.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.16%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.43%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#137 of 264 • Top 18.8% in tier

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

Why This Signature
AMR Growth (YoY): 4.30%
(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 | Rank improving

Concerns (1)

Liquidity Strain

risk
#27 of 183 • Bottom 5.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 100.02%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 12.09%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 304 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
3
Fee Income Per Member
profitability
Value: $451.06
Peer Avg: $210.52
#3 of 304 Top 0.7% in 1B-3B tier
6
Loan-to-Member Ratio (LMR)
engagement
Value: $24,901
Peer Avg: $13,213
#6 of 304 Top 1.6% in 1B-3B tier
8
Average Member Relationship (AMR)
engagement
Value: $49,798
Peer Avg: $29,172
#8 of 304 Top 2.3% in 1B-3B tier
19
Asset Growth Rate
growth
Value: 12.82%
Peer Avg: 4.83%
#19 of 304 Top 5.9% in 1B-3B tier
32
Total Loans
balance_sheet
Value: $1.92B
Peer Avg: $1.23B
#32 of 304 Top 10.2% in 1B-3B tier
38
Loan Growth Rate
growth
Value: 12.09%
Peer Avg: 5.27%
#38 of 304 Top 12.2% in 1B-3B tier
43
Member Growth Rate
growth
Value: 6.16%
Peer Avg: 2.20%
#43 of 304 Top 13.8% in 1B-3B tier
46
Loan-to-Share Ratio
balance_sheet
Value: 100.02%
Peer Avg: 85.19%
#46 of 304 Top 14.8% in 1B-3B tier
50
Deposit Growth Rate
growth
Value: 9.40%
Peer Avg: 5.58%
#50 of 304 Top 16.1% in 1B-3B tier

Top Weaknesses (6 metrics)

296
Net Worth Ratio
risk
Value: 8.02%
Peer Avg: 11.44%
#296 of 304 Bottom 3.0% in 1B-3B tier
276
First Mortgage Concentration (%)
balance_sheet
Value: 54.09%
Peer Avg: 34.01%
#276 of 304 Bottom 9.5% in 1B-3B tier
262
Members Per Employee (MPE)
engagement
Value: 281.515
Peer Avg: 364.953
#262 of 304 Bottom 14.1% in 1B-3B tier
254
Share Certificate Concentration (%)
balance_sheet
Value: 36.29%
Peer Avg: 28.53%
#254 of 304 Bottom 16.8% in 1B-3B tier
241
Net Interest Margin (NIM)
profitability
Value: 2.81%
Peer Avg: 3.26%
#241 of 304 Bottom 21.1% in 1B-3B tier
229
Return on Assets (ROA)
profitability
Value: 0.43%
Peer Avg: 0.70%
#229 of 304 Bottom 25.0% in 1B-3B tier