BlastPoint's Credit Union Scorecard
ALTON MUNICIPAL EMPLOYEES
Charter #10308 · IL
<100M
2508 CUs in <100M nationally
137 in IL
ALTON MUNICIPAL EMPLOYEES has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
- + Strong member growth: 6.4% YoY
- + Loan-to-Share Ratio: Top 1.0% in tier
- + Net Worth Ratio: Top 3.1% in tier
- + Member Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.98% below tier average
- - Efficiency ratio 48.61% above tier (higher cost structure)
- - Total Deposits: Bottom 2.1% in tier
- - Total Assets: Bottom 2.9% in tier
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Loans: Bottom 5.6% in tier
- - AMR Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
266
+6.4% YoY+8.1% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 6.8% in tier |
| Assets |
$458,107
-3.4% YoY+0.6% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.9% in tier |
| Loans |
$327,835
-6.5% YoY+8.6% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.5% in tier |
| Deposits |
$287,791
-4.5% YoY+1.2% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.1% in tier |
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| ROA |
-1.8%
-278.3% YoY+118.4% QoQ
|
-2.0% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.1% in tier |
| NIM |
4.7%
+3.1% YoY-9.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
139.2%
+80.1% YoY+19.7% QoQ
|
+48.6% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.7% in tier |
| Delinquency Rate |
1.0%
-8.2% YoY-10.8% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
113.9%
-2.1% YoY+7.3% QoQ
|
+55.4% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Top 1.1% in tier |
| AMR |
$2,314
-11.2% YoY-2.9% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
25
Loan-to-Share Ratio
balance_sheet
Value:
113.91%
Peer Median: 58.72%
#25 of 2508
Top 1.0% in <100M tier
78
Net Worth Ratio
risk
Value:
36.88%
Peer Median: 14.28%
#78 of 2508
Top 3.1% in <100M tier
134
Member Growth Rate
growth
Value:
6.40%
Peer Median: -1.37%
#134 of 2508
Top 5.3% in <100M tier
449
Net Interest Margin (NIM)
profitability
Value:
4.68%
Peer Median: 3.83%
#449 of 2508
Top 17.9% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (13 metrics)
2456
Total Deposits
balance_sheet
Value:
$287,791
Peer Median: $18.77M
#2456 of 2508
Bottom 2.1% in <100M tier
2436
Total Assets
balance_sheet
Value:
$458,107
Peer Median: $21.86M
#2436 of 2508
Bottom 2.9% in <100M tier
2423
Average Member Relationship (AMR)
engagement
Value:
$2,314
Peer Median: $13,926
#2423 of 2508
Bottom 3.4% in <100M tier
2416
Efficiency Ratio
profitability
Value:
139.24%
Peer Median: 81.45%
#2416 of 2508
Bottom 3.7% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2379
Return on Assets (ROA)
profitability
Value:
-1.84%
Peer Median: 0.61%
#2379 of 2508
Bottom 5.2% in <100M tier
2369
Total Loans
balance_sheet
Value:
$327,835
Peer Median: $9.48M
#2369 of 2508
Bottom 5.6% in <100M tier
2361
AMR Growth Rate
growth
Value:
-11.24%
Peer Median: 1.27%
#2361 of 2508
Bottom 5.9% in <100M tier
2337
Total Members
engagement
Value:
266
Peer Median: 1,918
#2337 of 2508
Bottom 6.9% in <100M tier
2325
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,232
Peer Median: $4,923
#2325 of 2508
Bottom 7.3% in <100M tier