MIDWEST MEMBERS

Charter #68684 | IL

100M-500M (1077 CUs) Micro
31 100M-500M in IL

MIDWEST MEMBERS has 7 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.9% in tier
  • + Relationship Depth Leader: Top 12.4% in tier
  • + Emerging Performer: Top 18.9% in tier
  • + ROA 0.97% above tier average
  • + Net Interest Margin 0.25% above tier average
  • + AMR Growth Rate: Top 1.9% in tier
  • + Efficiency Ratio: Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.2% in tier
  • - Stagnation Risk: Bottom 0.7% in tier
  • - Membership Headwinds: Bottom 1.2% in tier
  • - Credit Quality Pressure: Bottom 23.5% in tier
  • - Growth-at-Risk: Bottom 28.2% in tier
  • - Liquidity Overhang: Bottom 29.2% in tier
  • - Member decline: -13.4% YoY
  • - Member Growth Rate: Bottom 2.0% in tier
  • - Indirect Auto Concentration (%): Bottom 2.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 17,618
-13.4% YoY-0.2% QoQ
 +2.0K 15,628
-3.4% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $211.3M
+5.9% YoY+0.0% QoQ
 $-20.0M $231.3M
-0.0% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 54th in tier
Loans $155.9M
+1.8% YoY+1.1% QoQ
 +$8.1M $147.8M
-1.4% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 63rd in tier
Deposits $183.4M
+4.0% YoY-0.5% QoQ
 $-16.9M $200.3M
-0.0% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 54th in tier
ROA 1.8%
+15.5% YoY+4.6% QoQ
 +1.0% 0.8%
+15.5% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Top 6.0% in tier
NIM 3.8%
+2.7% YoY+1.5% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 59.3%
-6.1% YoY-1.5% QoQ
 -18.0% 77.3%
-3.0% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Bottom 7.8% in tier
Delinquency Rate 0.3%
+18.9% YoY-14.2% QoQ
 -0.5 0.9%
+7.6% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Bottom 22.0% in tier
Loan To Share 85.0%
-2.1% YoY+1.6% QoQ
 +12.3% 72.7%
-1.5% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 75th in tier
AMR $19,260
+19.0% YoY+0.4% QoQ
 $-5K $24,363
+2.9% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 30th in tier
CD Concentration 21.8%
+10.0% YoY+9.6% QoQ
 -2.6% 24.4%
+4.2% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 60.7%
-1.6% YoY+1.8% QoQ
 +46.7% 14.0%
-5.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#27 of 1006 • Top 0.9% in tier

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

Why This Signature
AMR Growth (YoY): 18.99%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#343 of 1006 • Top 12.4% in tier

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

Why This Signature
AMR Growth (YoY): 18.99%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#356 of 627 • Top 18.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.76%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -13.45%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (6)

Indirect Auto Dependency

risk
#4 of 525 • Bottom 0.2% in tier

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

Why This Signature
Asset Growth (YoY): 5.88%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 60.68%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -13.45%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#13 of 550 • Bottom 0.7% 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: 1.76%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -13.45%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 21.82%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#20 of 550 • Bottom 1.2% in tier

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

Why This Signature
Member Growth (YoY): -13.45%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#583 of 736 • Bottom 23.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Growth-at-Risk

risk
#423 of 446 • Bottom 28.2% in tier

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

Why This Signature
Loan Growth (YoY): 1.83%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#453 of 552 • Bottom 29.2% 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: 84.99%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 1077 peers in tier

Top Strengths (5 metrics)

22
AMR Growth Rate
growth
Value: 18.99%
Peer Avg: 3.64%
#22 of 1077 Top 1.9% in 100M-500M tier
65
Return on Assets (ROA)
profitability
Value: 1.76%
Peer Avg: 0.79%
#65 of 1077 Top 5.9% in 100M-500M tier
85
Efficiency Ratio
profitability
Value: 59.28%
Peer Avg: 77.28%
#85 of 1077 Top 7.8% in 100M-500M tier
160
First Mortgage Concentration (%)
balance_sheet
Value: 11.68%
Peer Avg: 30.43%
#160 of 1077 Top 14.8% in 100M-500M tier
238
Total Delinquency Rate (60+ days)
risk
Value: 0.35%
Peer Avg: 0.86%
#238 of 1077 Top 22.0% in 100M-500M tier

Top Weaknesses (2 metrics)

1056
Member Growth Rate
growth
Value: -13.45%
Peer Avg: 0.72%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1056
Indirect Auto Concentration (%)
balance_sheet
Value: 60.68%
Peer Avg: 13.34%
#1056 of 1077 Bottom 2.0% in 100M-500M tier