BlastPoint's Credit Union Scorecard
ALTON MUNICIPAL EMPLOYEES
Charter #10308 · IL
2556 CUs in <100M nationally
138 in IL
ALTON MUNICIPAL EMPLOYEES has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.20% 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
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Net Worth Ratio: Top 3.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 33.75% above tier (higher cost structure)
- - Total Deposits: Bottom 2.2% in tier
- - Total Assets: Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 3.3% in tier
- - Total Loans: Bottom 5.0% in tier
- - Total Members: Bottom 6.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- - Members Per Employee (MPE): Bottom 7.8% in tier
- - Deposit Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
-0.4% YoY+1.2% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 5.9% in tier |
| Assets |
$455,299
-6.0% YoY-3.6% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.8% in tier |
| Loans |
$301,768
-0.1% YoY-14.2% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.0% in tier |
| Deposits |
$284,284
-8.3% YoY-4.4% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.2% in tier |
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| ROA |
-0.8%
-559.0% YoY+1.5% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.6% in tier |
| NIM |
5.2%
-5.6% YoY-1.5% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
116.3%
+42.9% YoY+0.4% QoQ
|
+33.8% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 4.7% in tier |
| Delinquency Rate | 1.1% | -0.4 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
106.2%
+8.9% YoY-10.3% QoQ
|
+45.5% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 2.3% in tier |
| AMR |
$2,382
-3.9% YoY-10.8% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
56
Loan-to-Share Ratio
balance_sheet
Value:
106.15%
Peer Median: -
#56 of 2556
Top 2.2% in <100M tier
77
Net Worth Ratio
risk
Value:
37.57%
Peer Median: -
#77 of 2556
Top 3.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
287
Net Interest Margin (NIM)
profitability
Value:
5.15%
Peer Median: -
#287 of 2556
Top 11.2% in <100M tier
Top Weaknesses (13 metrics)
2501
Total Deposits
balance_sheet
Value:
$284,284
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2485
Total Assets
balance_sheet
Value:
$455,299
Peer Median: -
#2485 of 2556
Bottom 2.8% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2473
Average Member Relationship (AMR)
engagement
Value:
$2,382
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2437
Efficiency Ratio
profitability
Value:
116.31%
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2428
Total Loans
balance_sheet
Value:
$301,768
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2403
Total Members
engagement
Value:
246
Peer Median: -
#2403 of 2556
Bottom 6.0% in <100M tier
2387
Return on Assets (ROA)
profitability
Value:
-0.84%
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2382
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,227
Peer Median: -
#2382 of 2556
Bottom 6.8% in <100M tier
2358
Members Per Employee (MPE)
engagement
Value:
123.000
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier