BlastPoint's Credit Union Scorecard

STATE FARM

Charter #1273 · IL

Large 5B-7B
37 CUs in 5B-7B nationally 2 in IL
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STATE FARM has 8 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 6.2% in tier
  • + Wallet Share Momentum: Top 6.2% in tier
  • + Deposit Growth Rate: Top 0.1% in tier
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + Efficiency Ratio: Top 2.7% in tier
  • + Asset Growth Rate: Top 2.7% in tier
  • + AMR Growth Rate: Top 2.7% in tier
  • + Members Per Employee (MPE): Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 46.9% in tier
  • - Institutional Decline: Bottom 75.8% in tier
  • - Stagnation Risk: Bottom 85.9% in tier
  • - Membership Headwinds: Bottom 85.9% in tier
  • - ROA 0.45% below tier average
  • - Net Interest Margin (NIM): Bottom 2.7% in tier
  • - Total Loans: Bottom 2.7% in tier
  • - Loan-to-Share Ratio: Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 113,382
-0.6% YoY+0.2% QoQ
 -194.4K 307,793
+7.6% YoY
 22,133
+6.8% YoY
 33,913
+5.7% YoY
 Bottom 0.1% in tier
Assets $5.6B
+18.6% YoY+6.0% QoQ
 $-153.4M $5.8B
-0.2% YoY
 $406.0M
+9.7% YoY
 $578.3M
+9.0% YoY
 43%
Loans $1.0B
-2.0% YoY-2.0% QoQ
 $-3.1B $4.2B
+0.4% YoY
 $279.6M
+10.0% YoY
 $402.4M
+8.7% YoY
 Bottom 0.1% in tier
Deposits $4.9B
+21.3% YoY+7.3% QoQ
 $-11.3M $4.9B
+0.2% YoY
 $344.9M
+10.3% YoY
 $494.3M
+9.1% YoY
 57%

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Tier 1
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ROA 0.4%
-32.2% YoY-21.1% QoQ
 -0.4% 0.9%
+47.0% YoY
 0.5%
-57.9% YoY
 0.4%
-39.2% YoY
 Bottom 13.5% in tier
NIM 0.7%
-21.7% YoY-7.7% QoQ
 -2.5% 3.2%
+9.8% YoY
 3.7%
-0.2% YoY
 3.8%
+4.1% YoY
 Bottom 0.1% in tier
Efficiency Ratio 39.5%
+0.7% YoY-0.2% QoQ
 -27.0% 66.6%
-11.0% YoY
 87.0%
+8.4% YoY
 84.6%
+2.8% YoY
 Top 2.7% in tier
Delinquency Rate 0.1%
+42.6% YoY-65.5% QoQ
 -0.6 0.7%
+23.3% YoY
 1.2%
+7.3% YoY
 1.2%
+3.4% YoY
 Top 0.1% in tier
Loan To Share 20.7%
-19.2% YoY-8.6% QoQ
 -64.1% 84.7%
-0.7% YoY
 60.2%
-0.9% YoY
 65.6%
-1.4% YoY
 Bottom 0.1% in tier
AMR $51,982
+17.2% YoY+5.3% QoQ
 +$20K $32,237
-7.3% YoY
 $15,723
+4.6% YoY
 $19,920
+1.6% YoY
 Top 8.1% in tier
CD Concentration 0.0% -28.6% 28.6% 14.0% 19.8% Bottom 0.1% in tier
Indirect Auto % 0.0% -16.4% 16.4% 7.2% 7.7% Top 0.1% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#2 of 16 • Top 6.2% 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): 17.18%
(Tier: 4.10%, National: 6.36%)
better than tier avg
Share Draft per Member: $0.00
(Tier: $3.4K, National: $2.1K)
but worse than tier avg
16 of 66 Large CUs have this signature | 342 nationally
→ Stable (11→16 CUs) +5 CUs YoY

Wallet Share Momentum

growth
#4 of 15 • Top 6.2% in tier

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

Why This Signature
AMR Growth (YoY): 17.18%
(Tier: 4.10%, National: 6.36%)
better than tier avg
15 of 66 Large CUs have this signature | 637 nationally
→ Stable (12→15 CUs) +3 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk
#30 of 42 • Bottom 46.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
42 of 66 Large CUs have this signature | 1013 nationally
→ Stable (39→42 CUs) +3 CUs YoY | New qualifier

Stagnation Risk

risk
#9 of 10 • Bottom 85.9% 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): -0.57%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): -2.05%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
Delinquency Rate: 0.08%
(Tier: 0.67%, National: 1.19%)
but better than tier avg
10 of 66 Large CUs have this signature | 676 nationally
→ No prior data (10 CUs now) | New qualifier

Institutional Decline

decline
#5 of 5 • Bottom 75.8% in tier

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

Why This Signature
Total Assets: $5.62B
(Tier: $7.15B, National: $578.34M)
worse than tier avg
Member Growth (YoY): -0.57%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): -2.05%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
5 of 66 Large CUs have this signature | 289 nationally
→ No prior data (5 CUs now) | New qualifier

Membership Headwinds

decline
#10 of 10 • Bottom 85.9% in tier

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

Why This Signature
Member Growth (YoY): -0.57%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
10 of 66 Large CUs have this signature | 676 nationally
→ No prior data (10 CUs now) | New qualifier

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)

Comparing against 37 peers in tier

Top Strengths (11 metrics)

1
Deposit Growth Rate
growth
Value: 21.26%
Peer Median: 7.47%
#1 of 37 Top 0.1% in 5B-7B tier
1
Total Delinquency Rate (60+ days)
risk
Value: 0.08%
Peer Median: 0.65%
#1 of 37 Top 0.1% in 5B-7B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 16.71%
#1 of 37 Top 0.1% in 5B-7B tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 35.35%
#1 of 37 Top 0.1% in 5B-7B tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 29.06%
#1 of 37 Top 0.1% in 5B-7B tier
2
Efficiency Ratio
profitability
Value: 39.53%
Peer Median: 68.24%
#2 of 37 Top 2.7% in 5B-7B tier
2
Asset Growth Rate
growth
Value: 18.63%
Peer Median: 7.02%
#2 of 37 Top 2.7% in 5B-7B tier
2
AMR Growth Rate
growth
Value: 17.18%
Peer Median: 2.98%
#2 of 37 Top 2.7% in 5B-7B tier
2
Members Per Employee (MPE)
engagement
Value: 827.606
Peer Median: 416.780
#2 of 37 Top 2.7% in 5B-7B tier
3
Average Member Relationship (AMR)
engagement
Value: $51,982
Peer Median: $29,948
#3 of 37 Top 5.4% in 5B-7B tier

Top Weaknesses (9 metrics)

37
Net Interest Margin (NIM)
profitability
Value: 0.66%
Peer Median: 3.16%
#37 of 37 Bottom 2.7% in 5B-7B tier
37
Total Loans
balance_sheet
Value: $1.01B
Peer Median: $4.22B
#37 of 37 Bottom 2.7% in 5B-7B tier
37
Loan-to-Share Ratio
balance_sheet
Value: 20.67%
Peer Median: 88.96%
#37 of 37 Bottom 2.7% in 5B-7B tier
37
Total Members
engagement
Value: 113,382
Peer Median: 298,815
#37 of 37 Bottom 2.7% in 5B-7B tier
36
Fee Income Per Member
profitability
Value: $116.57
Peer Median: $194.06
#36 of 37 Bottom 5.4% in 5B-7B tier
34
Loan Growth Rate
growth
Value: -2.05%
Peer Median: 4.82%
#34 of 37 Bottom 10.8% in 5B-7B tier
34
Loan-to-Member Ratio (LMR)
engagement
Value: $8,904
Peer Median: $13,954
#34 of 37 Bottom 10.8% in 5B-7B tier
32
Return on Assets (ROA)
profitability
Value: 0.41%
Peer Median: 0.75%
#32 of 37 Bottom 16.2% in 5B-7B tier
32
Member Growth Rate
growth
Value: -0.57%
Peer Median: 2.61%
#32 of 37 Bottom 16.2% in 5B-7B tier
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