Illinois Credit Unions

Member engagement weakened significantly as growth decelerated to -1.02% in Q4 2025 from -0.91% last quarter and 4.02% a year ago. The 33 basis point underperformance versus national averages signals retention challenges amid competitive market conditions requiring enhanced member value propositions.

Profitability metrics showed mixed signals with ROA remaining stable at 0.76% quarter-over-quarter and up from 0.72% year-over-year, exceeding national benchmarks. However, NIM decreased 9 basis points to 3.65% from last quarter, though still up 13 basis points annually, reflecting margin pressure.

Asset growth accelerated to 3.02% from 2.79% quarter-over-quarter but decelerated from 4.93% year-over-year. Loan growth improved, accelerating to -0.18% from -0.48% last quarter, though remaining 70 basis points below national performance, indicating lending momentum challenges persist.

Risk metrics showed modest deterioration with delinquencies increasing 7 basis points to 0.76% quarter-over-quarter, though remaining stable year-over-year. Net worth decreased to 14.66% from 14.87% last quarter but improved from 14.46% annually, maintaining strong capitalization 99 basis points above national levels.

Portfolio composition shifted toward traditional products with first mortgage concentration increasing to 14.18% (+38 bps quarterly, +41 bps annually) and certificate deposits rising to 14.12% (+40 bps quarterly, +107 bps annually). Indirect auto remained stable at 7.14%, below national benchmarks.