Illinois Credit Unions

Member growth remained challenging at -0.91% in Q3 2025, though the decline decelerated from -1.13% in Q2 2025, showing improvement of 22 basis points quarter-over-quarter. The current member loss rate trails the national decline of -0.61% by 30 basis points, indicating Illinois credit unions face steeper membership headwinds than industry peers.

Profitability metrics showed mixed quarterly results but strong annual trends. ROA decreased 5 basis points to 0.79% from Q2 2025 but remained 1 basis point above national levels. Net interest margin increased 9 basis points quarterly to 3.74% and expanded 18 basis points year-over-year from 3.56%, demonstrating effective rate management.

Growth momentum accelerated across key metrics in Q3 2025. Asset growth accelerated to 2.79% from 2.26% quarter-over-quarter, exceeding national levels by 24 basis points. Loan growth accelerated significantly to -0.48% from -1.41% quarterly, while deposit growth accelerated to 2.21% from 1.59%, showing broad-based improvement despite remaining below national benchmarks.

Risk profile improved substantially with delinquencies decreasing to 0.69% from 0.74% quarter-over-quarter and from 0.76% year-over-year, maintaining a 16 basis point advantage over national levels. Net worth ratio increased to 14.87% from 14.68% quarterly and 14.53% annually, demonstrating strong capital accumulation and risk management.

Portfolio composition shifted notably with certificate concentrations increasing 2.08 percentage points quarterly to 13.72% and 3.96 percentage points year-over-year, though remaining below national 19.60%. Indirect auto lending expanded 3.39 percentage points annually to 7.16%, approaching national 7.90%, while first mortgage exposure decreased 1.67 percentage points annually to 13.80%.