SERVICES
Charter #96066 | IL
<100M
(2596 CUs)
Micro
($0-$500M)
143 <100M in IL
SERVICES has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.3% in tier
- + Net Worth Ratio: Top 0.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.01% above tier average
- - Member decline: -12.3% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Total Deposits: Bottom 0.8% in tier
- - Total Loans: Bottom 1.7% in tier
- - Total Assets: Bottom 2.6% in tier
- - Member Growth Rate: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 6.6% in tier
- - Loan-to-Share Ratio: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,845
-12.3% YoY-5.2% QoQ
|
+219 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
65th in tier |
| Assets |
$399,638
+4.1% YoY+0.9% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.6% in tier |
| Loans |
$28,036
-7.6% YoY+0.8% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.7% in tier |
| Deposits |
$112,066
-7.8% YoY+0.2% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.8% in tier |
| ROA |
2.8%
-27.2% YoY+6.9% QoQ
|
+2.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 2.6% in tier |
| NIM |
2.9%
-29.9% YoY-3.4% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.8% in tier |
| Efficiency Ratio |
14.1%
+15.5% YoY-24.4% QoQ
|
-67.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate |
2.5%
-2.7% YoY+65.8% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 15.1% in tier |
| Loan To Share |
25.0%
+0.3% YoY+0.6% QoQ
|
-36.2% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.7% in tier |
| AMR |
$49.2
+5.1% YoY+5.8% QoQ
|
$-15K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
9
Efficiency Ratio
profitability
Value:
14.08%
Peer Avg: 81.39%
#9 of 2596
Top 0.3% in <100M tier
11
Net Worth Ratio
risk
Value:
68.81%
Peer Avg: 16.43%
#11 of 2596
Top 0.4% in <100M tier
67
Return on Assets (ROA)
profitability
Value:
2.84%
Peer Avg: 0.68%
#67 of 2596
Top 2.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (12 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2590
Average Member Relationship (AMR)
engagement
Value:
$49.24
Peer Avg: $14,627
#2590 of 2596
Bottom 0.3% in <100M tier
2581
Loan-to-Member Ratio (LMR)
engagement
Value:
$9.85
Peer Avg: $5,488
#2581 of 2596
Bottom 0.6% in <100M tier
2576
Total Deposits
balance_sheet
Value:
$112,066
Peer Avg: $25.45M
#2576 of 2596
Bottom 0.8% in <100M tier
2553
Total Loans
balance_sheet
Value:
$28,036
Peer Avg: $15.77M
#2553 of 2596
Bottom 1.7% in <100M tier
2529
Total Assets
balance_sheet
Value:
$399,638
Peer Avg: $29.86M
#2529 of 2596
Bottom 2.6% in <100M tier
2488
Member Growth Rate
growth
Value:
-12.27%
Peer Avg: 14.92%
#2488 of 2596
Bottom 4.2% in <100M tier
2426
Fee Income Per Member
profitability
Value:
$0.58
Peer Avg: $182.96
#2426 of 2596
Bottom 6.6% in <100M tier
2417
Loan-to-Share Ratio
balance_sheet
Value:
25.02%
Peer Avg: 61.23%
#2417 of 2596
Bottom 6.9% in <100M tier
2330
Deposit Growth Rate
growth
Value:
-7.82%
Peer Avg: 16.80%
#2330 of 2596
Bottom 10.3% in <100M tier