BlastPoint's Credit Union Scorecard
STATE FARM
Charter #1273 · IL
STATE FARM has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 7.8% in tier
- + Wallet Share Momentum: 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in Illinois.
- Shares and deposits +18.9% year over year ($4.98B in shares and deposits).
- Membership: 113,388 members, -0.8% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 0.46%.
- Efficiency ratio 39.51% vs a 65.18% peer average.
- Loan-to-share ratio 20.19% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)