SELFRELIANCE

Charter #7346 | IL

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

SELFRELIANCE has 7 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 6.7% in tier
  • + Wallet Share Momentum: Top 8.6% in tier
  • + Emerging Performer: Top 11.2% in tier
  • + Organic Growth Engine: Top 12.3% in tier
  • + Organic Growth Leader: Top 14.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 0.5% in tier
  • - Credit Quality Pressure: Bottom 1.6% in tier
  • - Liquidity Overhang: Bottom 18.4% in tier
  • - ROA 0.09% below tier average
  • - Efficiency ratio 1.61% above tier (higher cost structure)
  • - Delinquency rate 1.17% above tier average
  • - Fee Income Per Member: Bottom 3.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
  • - Total Members: Bottom 4.9% in tier
  • - Total Loans: Bottom 5.3% in tier
  • - Share Certificate Concentration (%): Bottom 6.9% in tier
  • - First Mortgage Concentration (%): Bottom 8.6% in tier
  • - Net Interest Margin (NIM): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 48,929
+4.6% YoY+0.4% QoQ
 -49.7K 98,678
-1.9% YoY
 21,352
+8.3% YoY
 33,089
+6.1% YoY
 Bottom 4.6% in tier
Assets $1.1B
+10.4% YoY+3.7% QoQ
 $-594.1M $1.7B
+0.5% YoY
 $379.6M
+9.6% YoY
 $547.7M
+7.8% YoY
 Bottom 13.2% in tier
Loans $671.9M
+12.5% YoY+3.5% QoQ
 $-561.2M $1.2B
+0.5% YoY
 $267.7M
+12.9% YoY
 $388.7M
+8.6% YoY
 Bottom 4.9% in tier
Deposits $925.6M
+12.4% YoY+3.6% QoQ
 $-528.8M $1.5B
+1.3% YoY
 $314.3M
+10.4% YoY
 $464.6M
+9.3% YoY
 Bottom 10.5% in tier
ROA 0.6%
+109.9% YoY+9.0% QoQ
 -0.1% 0.7%
+13.4% YoY
 0.8%
-108.9% YoY
 0.7%
+273.4% YoY
 45th in tier
NIM 2.5%
+22.5% YoY-0.3% QoQ
 -0.8% 3.3%
+9.3% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 8.6% in tier
Efficiency Ratio 75.6%
-13.3% YoY-4.4% QoQ
 +1.6% 74.0%
-10.9% YoY
 90.4%
+10.2% YoY
 79.1%
-3.3% YoY
 56th in tier
Delinquency Rate 2.0%
+58.2% YoY+4.9% QoQ
 +1.2 0.8%
+6.1% YoY
 1.5%
-12.1% YoY
 1.2%
-0.9% YoY
 Top 3.9% in tier
Loan To Share 72.6%
+0.1% YoY-0.1% QoQ
 -12.6% 85.2%
-0.8% YoY
 62.3%
-1.7% YoY
 68.0%
-1.7% YoY
 Bottom 17.8% in tier
AMR $32,648
+7.5% YoY+3.1% QoQ
 +$3K $29,172
+2.8% YoY
 $15,032
+2.8% YoY
 $19,418
+1.3% YoY
 Top 24.3% in tier
CD Concentration 42.8%
+4.3% YoY+6.3% QoQ
 +13.8% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Top 8.4% 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 (5)

Relationship Depth Leader

growth
#49 of 264 • Top 6.7% in tier

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

Why This Signature
AMR Growth (YoY): 7.46%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(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 | New qualifier

Wallet Share Momentum

growth
#63 of 264 • Top 8.6% in tier

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

Why This Signature
AMR Growth (YoY): 7.46%
(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 | New qualifier

Emerging Performer

growth
#60 of 184 • Top 11.2% in tier

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

Why This Signature
Return on Assets: 0.61%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 4.63%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#90 of 246 • Top 12.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.63%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.61%
(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 worsening

Organic Growth Leader

growth
#56 of 138 • Top 14.0% in tier

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

Why This Signature
Member Growth (YoY): 4.63%
(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 worsening

Concerns (3)

Growth-at-Risk

risk
#4 of 161 • Bottom 0.5% in tier

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

Why This Signature
Loan Growth (YoY): 12.50%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.73% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY

Credit Quality Pressure

risk
#13 of 217 • Bottom 1.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.73% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Overhang

risk
#60 of 113 • Bottom 18.4% 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: 12.44%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 72.59%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 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)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
29
Deposit Growth Rate
growth
Value: 12.39%
Peer Avg: 5.58%
#29 of 304 Top 9.2% in 1B-3B tier
34
Loan Growth Rate
growth
Value: 12.50%
Peer Avg: 5.27%
#34 of 304 Top 10.9% in 1B-3B tier
37
Asset Growth Rate
growth
Value: 10.39%
Peer Avg: 4.83%
#37 of 304 Top 11.8% in 1B-3B tier
42
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.60%
#42 of 304 Top 13.5% in 1B-3B tier
53
AMR Growth Rate
growth
Value: 7.46%
Peer Avg: 3.29%
#53 of 304 Top 17.1% in 1B-3B tier
73
Member Growth Rate
growth
Value: 4.63%
Peer Avg: 2.20%
#73 of 304 Top 23.7% in 1B-3B tier
74
Average Member Relationship (AMR)
engagement
Value: $32,648
Peer Avg: $29,172
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (10 metrics)

294
Fee Income Per Member
profitability
Value: $89.61
Peer Avg: $210.52
#294 of 304 Bottom 3.6% in 1B-3B tier
293
Total Delinquency Rate (60+ days)
risk
Value: 1.99%
Peer Avg: 0.83%
#293 of 304 Bottom 3.9% in 1B-3B tier
290
Total Members
engagement
Value: 48,929
Peer Avg: 98,678
#290 of 304 Bottom 4.9% in 1B-3B tier
289
Total Loans
balance_sheet
Value: $671.87M
Peer Avg: $1.23B
#289 of 304 Bottom 5.3% in 1B-3B tier
284
Share Certificate Concentration (%)
balance_sheet
Value: 42.83%
Peer Avg: 28.53%
#284 of 304 Bottom 6.9% in 1B-3B tier
279
First Mortgage Concentration (%)
balance_sheet
Value: 55.10%
Peer Avg: 34.01%
#279 of 304 Bottom 8.6% in 1B-3B tier
278
Net Interest Margin (NIM)
profitability
Value: 2.47%
Peer Avg: 3.26%
#278 of 304 Bottom 8.9% in 1B-3B tier
272
Total Deposits
balance_sheet
Value: $925.57M
Peer Avg: $1.45B
#272 of 304 Bottom 10.9% in 1B-3B tier
264
Total Assets
balance_sheet
Value: $1.13B
Peer Avg: $1.72B
#264 of 304 Bottom 13.5% in 1B-3B tier
250
Loan-to-Share Ratio
balance_sheet
Value: 72.59%
Peer Avg: 85.19%
#250 of 304 Bottom 18.1% in 1B-3B tier