BlastPoint's Credit Union Scorecard

STATE FARM

Charter #1273 · IL

Large 5B-7B

State Farm FCU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

State Farm FCU is one of 101 credit unions in the 2026 VentureTech card set. We also found State Farm FCU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

State Farm FCU

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STATE FARM FCU
PEER · AT VENTURETECH
PEER · AT VENTURETECH
STATE FARM FCU'S BIGGEST OPPORTUNITY

39 CUs in 5B-7B nationally 2 in IL

View Large leaderboard →

STATE FARM has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 7.8% in tier
+ Efficiency Ratio: Top 0.1% in tier
+ Asset Growth Rate: Top 2.6% in tier
+ Deposit Growth Rate: Top 2.6% in tier
+ Members Per Employee (MPE): Top 2.6% in tier
+ AMR Growth Rate: Top 5.1% in tier
+ Total Delinquency Rate (60+ days): Top 5.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 40.6% in tier
- Institutional Decline: Bottom 71.2% in tier
- Stagnation Risk: Bottom 82.8% in tier
- Membership Headwinds: Bottom 82.8% in tier
- ROA 0.47% below tier average
- Net Interest Margin (NIM): Bottom 2.6% in tier
- Fee Income Per Member: Bottom 2.6% in tier
- Total Loans: Bottom 2.6% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	113,388 -0.8% YoY+0.0% QoQ	-197.5K	310,918 +6.0% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	Bottom 0.1% in tier
Assets	$5.7B +15.9% YoY+1.6% QoQ	$-80.7M	$5.8B -1.1% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	51%
Loans	$1.0B -2.8% YoY-0.3% QoQ	$-3.2B	$4.2B -0.7% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	Bottom 0.1% in tier
Deposits	$5.0B +18.9% YoY+2.0% QoQ	+$89.5M	$4.9B -1.3% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	62%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -26.6% YoY+12.5% QoQ	-0.5%	0.9% +35.3% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	Bottom 5.1% in tier
NIM	0.7% -16.8% YoY+3.5% QoQ	-2.5%	3.2% +9.5% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	Bottom 0.1% in tier
Efficiency Ratio	39.5% +5.3% YoY-0.0% QoQ	-25.7%	65.2% -9.0% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	Top 0.1% in tier
Delinquency Rate	0.3% +34.4% YoY+274.0% QoQ	-0.5	0.8% +23.8% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	Top 5.1% in tier
Loan To Share	20.2% -18.2% YoY-2.3% QoQ	-65.4%	85.6% -0.2% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	Bottom 0.1% in tier
AMR	$52,834 +15.5% YoY+1.6% QoQ	+$21K	$32,010 -7.3% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	Top 7.7% in tier
CD Concentration	0.0%	-28.3%	28.3%	14.0%	20.0%	Bottom 0.1% in tier
Indirect Auto %	0.0%	-16.8%	16.8%	6.8%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#3 of 16 • Top 7.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 15.46%

(Tier: 4.16%, National: 35.20%)

better than tier avg

Share Draft per Member: $0.00

(Tier: $3.3K, National: $2.1K)

but worse than tier avg

16 of 67 Large CUs have this signature | 354 nationally

→ Stable (12→16 CUs) +4 CUs YoY

Wallet Share Momentum

growth

#5 of 20 • Top 7.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 15.46%

(Tier: 4.16%, National: 35.20%)

better than tier avg

20 of 67 Large CUs have this signature | 635 nationally

→ Stable (17→20 CUs) +3 CUs YoY

Concerns (4)

Stagnation Risk

risk

#9 of 13 • Bottom 82.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.76%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.75%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.79%, National: 1.26%)

but better than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#26 of 33 • Bottom 40.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | Rank improving

Membership Headwinds

decline

#12 of 13 • Bottom 82.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.76%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY

Institutional Decline

decline

#3 of 3 • Bottom 71.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $5.71B

(Tier: $7.12B, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.76%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.75%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

3 of 67 Large CUs have this signature | 261 nationally

→ Stable (5→3 CUs) -2 CUs YoY | Rank improving

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)

Compare against:

Comparing against 39 peers in tier

Top Strengths (12 metrics)

Efficiency Ratio

profitability

Value: 39.51%

Peer Median: 66.17%

#1 of 39 Top 0.1% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 17.30%

#1 of 39 Top 0.1% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 34.95%

#1 of 39 Top 0.1% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.09%

#1 of 39 Top 0.1% in 5B-7B tier

Asset Growth Rate

growth

Value: 15.91%

Peer Median: 6.34%

#2 of 39 Top 2.6% in 5B-7B tier

Deposit Growth Rate

growth

Value: 18.86%

Peer Median: 6.19%

#2 of 39 Top 2.6% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 827.650

Peer Median: 423.198

#2 of 39 Top 2.6% in 5B-7B tier

AMR Growth Rate

growth

Value: 15.46%

Peer Median: 2.28%

#3 of 39 Top 5.1% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.67%

#3 of 39 Top 5.1% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $52,834

Peer Median: $29,661

#3 of 39 Top 5.1% in 5B-7B tier

Top Weaknesses (9 metrics)

Net Interest Margin (NIM)

profitability

Value: 0.68%

Peer Median: 3.25%