BlastPoint's Credit Union Scorecard

STATE FARM

Charter #1273 · IL

Large 5B-7B
35 CUs in 5B-7B nationally 2 in IL
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STATE FARM has 13 strengths but faces 7 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 7.1% in tier
  • + Wallet Share Momentum: Top 10.5% in tier
  • + Efficiency Ratio: Top 0.0% in tier
  • + AMR Growth Rate: Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Members Per Employee (MPE): Top 0.0% in tier
  • + Asset Growth Rate: Top 2.9% in tier
  • + Deposit Growth Rate: Top 2.9% in tier
  • + Total Delinquency Rate (60+ days): Top 5.7% in tier
  • + Net Worth Ratio: Top 8.6% in tier
  • + Average Member Relationship (AMR): Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.30% below tier average
  • - Net Interest Margin (NIM): Bottom 2.9% in tier
  • - Total Loans: Bottom 2.9% in tier
  • - Loan-to-Share Ratio: Bottom 2.9% in tier
  • - Fee Income Per Member: Bottom 5.7% in tier
  • - Total Members: Bottom 5.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 113,161
-0.3% YoY+0.2% QoQ
 -179.2K 292,342
-2.4% YoY
 21,665
+5.6% YoY
 33,374
+5.7% YoY
 Bottom 2.9% in tier
Assets $5.3B
+19.5% YoY+3.9% QoQ
 $-446.1M $5.7B
-0.2% YoY
 $394.9M
+10.3% YoY
 $561.6M
+9.7% YoY
 31%
Loans $1.0B
-1.4% YoY+0.1% QoQ
 $-3.1B $4.2B
-1.6% YoY
 $275.6M
+9.5% YoY
 $397.0M
+8.8% YoY
 Bottom 0.0% in tier
Deposits $4.6B
+21.4% YoY+4.3% QoQ
 $-293.4M $4.8B
+0.4% YoY
 $330.4M
+9.6% YoY
 $477.3M
+9.7% YoY
 40%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.5%
-27.3% YoY-9.1% QoQ
 -0.3% 0.8%
+27.9% YoY
 0.6%
-12.3% YoY
 0.7%
+15.9% YoY
 26%
NIM 0.7%
-21.2% YoY-7.0% QoQ
 -2.3% 3.0%
+8.0% YoY
 3.6%
+3.6% YoY
 3.8%
+5.1% YoY
 Bottom 0.0% in tier
Efficiency Ratio 39.6%
+7.8% YoY+2.9% QoQ
 -27.7% 67.3%
-3.7% YoY
 89.8%
+8.5% YoY
 79.7%
-3.3% YoY
 Bottom 0.0% in tier
Delinquency Rate 0.2%
-17.8% YoY+28.6% QoQ
 -0.5 0.8%
+17.5% YoY
 1.1%
-24.1% YoY
 1.3%
-2.1% YoY
 Bottom 5.7% in tier
Loan To Share 22.6%
-18.7% YoY-4.0% QoQ
 -63.3% 85.9%
-2.6% YoY
 62.0%
-1.0% YoY
 67.4%
-1.7% YoY
 Bottom 0.0% in tier
AMR $49,342
+16.8% YoY+3.3% QoQ
 +$15K $34,289
+3.5% YoY
 $15,477
+4.9% YoY
 $19,687
+2.0% YoY
 Top 11.4% in tier
CD Concentration 0.0% -29.1% 29.1% 14.1% 19.8% Bottom 0.0% in tier
Indirect Auto % 0.0% -17.1% 17.1% 7.1% 7.8% Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#2 of 15 • Top 7.1% 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): 16.78%
(Tier: 3.92%, National: 4.00%)
better than tier avg
Share Draft per Member: $0.00
(Tier: $3.3K, National: $2.0K)
but worse than tier avg
15 of 68 Large CUs have this signature | 351 nationally
↑ Growing +6 CUs YoY | Rank improving

Wallet Share Momentum

growth
#3 of 20 • Top 10.5% in tier

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

Why This Signature
AMR Growth (YoY): 16.78%
(Tier: 3.92%, National: 4.00%)
better than tier avg
20 of 68 Large CUs have this signature | 662 nationally
↑ Growing +11 CUs YoY | Rank improving

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)

Comparing against 35 peers in tier

Top Strengths (12 metrics)

1
Efficiency Ratio
profitability
Value: 39.63%
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
AMR Growth Rate
growth
Value: 16.78%
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
1
Members Per Employee (MPE)
engagement
Value: 825.993
Peer Median: -
#1 of 35 Top 0.0% in 5B-7B tier
2
Asset Growth Rate
growth
Value: 19.47%
Peer Median: -
#2 of 35 Top 2.9% in 5B-7B tier
2
Deposit Growth Rate
growth
Value: 21.35%
Peer Median: -
#2 of 35 Top 2.9% in 5B-7B tier
3
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Median: -
#3 of 35 Top 5.7% in 5B-7B tier
4
Net Worth Ratio
risk
Value: 13.79%
Peer Median: -
#4 of 35 Top 8.6% in 5B-7B tier

Top Weaknesses (8 metrics)

35
Net Interest Margin (NIM)
profitability
Value: 0.72%
Peer Median: -
#35 of 35 Bottom 2.9% in 5B-7B tier
35
Total Loans
balance_sheet
Value: $1.03B
Peer Median: -
#35 of 35 Bottom 2.9% in 5B-7B tier
35
Loan-to-Share Ratio
balance_sheet
Value: 22.61%
Peer Median: -
#35 of 35 Bottom 2.9% in 5B-7B tier
34
Fee Income Per Member
profitability
Value: $121.28
Peer Median: -
#34 of 35 Bottom 5.7% in 5B-7B tier
34
Total Members
engagement
Value: 113,161
Peer Median: -
#34 of 35 Bottom 5.7% in 5B-7B tier
33
Loan-to-Member Ratio (LMR)
engagement
Value: $9,099
Peer Median: -
#33 of 35 Bottom 8.6% in 5B-7B tier
32
Loan Growth Rate
growth
Value: -1.38%
Peer Median: -
#32 of 35 Bottom 11.4% in 5B-7B tier
30
Member Growth Rate
growth
Value: -0.32%
Peer Median: -
#30 of 35 Bottom 17.1% in 5B-7B tier
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