CREDIT UNION 1

Charter #68727 | IL

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

CREDIT UNION 1 has 12 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.0% in tier
  • + Organic Growth Engine: Top 15.8% in tier
  • + Relationship Depth Leader: Top 32.3% in tier
  • + Wallet Share Momentum: Top 35.0% in tier
  • + Net Interest Margin 0.01% above tier average
  • + Strong member growth: 45.3% YoY
  • + Member Growth Rate: Top 0.3% in tier
  • + Loan Growth Rate: Top 0.3% in tier
  • + Deposit Growth Rate: Top 0.3% in tier
  • + Asset Growth Rate: Top 1.6% in tier
  • + Share Certificate Concentration (%): Top 5.6% in tier
  • + Total Members: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 5.2% in tier
  • - Indirect Auto Dependency: Bottom 24.8% in tier
  • - ROA 0.41% below tier average
  • - Efficiency ratio 14.64% above tier (higher cost structure)
  • - Delinquency rate 0.27% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 160,552
+45.3% YoY+32.2% QoQ
 +61.9K 98,678
-1.9% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Top 9.2% in tier
Assets $2.3B
+19.4% YoY+17.8% QoQ
 +$574.1M $1.7B
+0.5% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Top 20.7% in tier
Loans $1.7B
+51.3% YoY+23.8% QoQ
 +$428.8M $1.2B
+0.5% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Top 21.4% in tier
Deposits $2.0B
+43.0% YoY+18.9% QoQ
 +$518.6M $1.5B
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Top 19.4% in tier
ROA 0.3%
-2.8% YoY+13.3% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 Bottom 13.8% in tier
NIM 3.3%
+1.9% YoY-6.5% QoQ
 +0.0% 3.3%
+9.3% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 50th in tier
Efficiency Ratio 88.6%
+1.5% YoY-1.8% QoQ
 +14.6% 74.0%
-10.9% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 Top 3.0% in tier
Delinquency Rate 1.1%
-14.2% YoY-17.5% QoQ
 +0.3 0.8%
+6.1% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Top 20.1% in tier
Loan To Share 84.2%
+5.8% YoY+4.1% QoQ
 -1.0% 85.2%
-0.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 38th in tier
AMR $22,639
+0.9% YoY-8.4% QoQ
 $-7K $29,172
+2.8% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 19.1% in tier
CD Concentration 13.7%
+17.1% YoY+19.4% QoQ
 -15.3% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Bottom 5.3% in tier
Indirect Auto % 15.6%
-3.3% YoY-3.1% QoQ
 -3.2% 18.8%
-2.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 48th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#1 of 138 • Top 0.0% in tier

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

Why This Signature
Member Growth (YoY): 45.34%
(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
#115 of 246 • Top 15.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 45.34%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.29%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 15.61%
(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 worsening

Relationship Depth Leader

growth
#234 of 264 • Top 32.3% in tier

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

Why This Signature
AMR Growth (YoY): 0.90%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(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
#254 of 264 • Top 35.0% in tier

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

Why This Signature
AMR Growth (YoY): 0.90%
(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 (2)

Efficiency Drag

risk
#18 of 96 • Bottom 5.2% in tier

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

Why This Signature
Efficiency Ratio: 88.61%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.01% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 45.34%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#154 of 202 • Bottom 24.8% in tier

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

Why This Signature
Asset Growth (YoY): 19.39%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 15.61%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 45.34%
(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 304 peers in tier

Top Strengths (10 metrics)

2
Member Growth Rate
growth
Value: 45.34%
Peer Avg: 2.20%
#2 of 304 Top 0.3% in 1B-3B tier
2
Loan Growth Rate
growth
Value: 51.27%
Peer Avg: 5.27%
#2 of 304 Top 0.3% in 1B-3B tier
2
Deposit Growth Rate
growth
Value: 42.96%
Peer Avg: 5.58%
#2 of 304 Top 0.3% in 1B-3B tier
6
Asset Growth Rate
growth
Value: 19.39%
Peer Avg: 4.83%
#6 of 304 Top 1.6% in 1B-3B tier
18
Share Certificate Concentration (%)
balance_sheet
Value: 13.71%
Peer Avg: 28.53%
#18 of 304 Top 5.6% in 1B-3B tier
28
Total Members
engagement
Value: 160,552
Peer Avg: 98,678
#28 of 304 Top 8.9% in 1B-3B tier
59
Total Deposits
balance_sheet
Value: $1.97B
Peer Avg: $1.45B
#59 of 304 Top 19.1% in 1B-3B tier
63
Total Assets
balance_sheet
Value: $2.29B
Peer Avg: $1.72B
#63 of 304 Top 20.4% in 1B-3B tier
65
Total Loans
balance_sheet
Value: $1.66B
Peer Avg: $1.23B
#65 of 304 Top 21.1% in 1B-3B tier
75
First Mortgage Concentration (%)
balance_sheet
Value: 22.94%
Peer Avg: 34.01%
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (5 metrics)

296
Efficiency Ratio
profitability
Value: 88.61%
Peer Avg: 73.97%
#296 of 304 Bottom 3.0% in 1B-3B tier
262
Return on Assets (ROA)
profitability
Value: 0.29%
Peer Avg: 0.70%
#262 of 304 Bottom 14.1% in 1B-3B tier
246
Average Member Relationship (AMR)
engagement
Value: $22,639
Peer Avg: $29,172
#246 of 304 Bottom 19.4% in 1B-3B tier
244
Total Delinquency Rate (60+ days)
risk
Value: 1.10%
Peer Avg: 0.83%
#244 of 304 Bottom 20.1% in 1B-3B tier
241
Loan-to-Member Ratio (LMR)
engagement
Value: $10,351
Peer Avg: $13,213
#241 of 304 Bottom 21.1% in 1B-3B tier