BlastPoint's Credit Union Scorecard
STATE FARM
Charter #1273 · IL
Large
5B-7B
34 CUs in 5B-7B nationally
2 in IL
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STATE FARM has 14 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 0.0% in tier
- + Wallet Share Momentum: Top 5.9% in tier
- + Credit Quality Leader: Top 20.0% 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
- + Net Worth Ratio: Top 2.9% in tier
- + Asset Growth Rate: Top 5.9% in tier
- + Deposit Growth Rate: Top 5.9% in tier
- + Total Delinquency Rate (60+ days): Top 5.9% in tier
- + Average Member Relationship (AMR): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.2% in tier
- - ROA 0.23% below tier average
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Total Loans: Bottom 2.9% in tier
- - Fee Income Per Member: Bottom 5.9% in tier
- - Total Members: Bottom 5.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
112,919
+0.2% YoY-1.2% QoQ
|
-176.8K |
289,724
-2.8% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 2.9% in tier |
| Assets |
$5.1B
+16.9% YoY+3.6% QoQ
|
$-692.3M |
$5.8B
+0.2% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.8% in tier |
| Loans |
$1.0B
-2.2% YoY-0.6% QoQ
|
$-3.1B |
$4.1B
-3.1% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits |
$4.4B
+19.1% YoY+4.1% QoQ
|
$-521.8M |
$4.9B
+2.2% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.8% in tier |
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| ROA |
0.6%
-23.6% YoY-9.1% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
0.8%
-17.6% YoY-6.3% QoQ
|
-2.1% |
2.9%
+3.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio |
38.5%
+6.3% YoY+2.6% QoQ
|
-29.6% |
68.1%
-1.7% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
0.2%
+29.5% YoY-18.9% QoQ
|
-0.4 |
0.6%
-2.2% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.9% in tier |
| Loan To Share |
23.6%
-17.9% YoY-4.6% QoQ
|
-60.1% |
83.6%
-5.7% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$47,774
+14.1% YoY+4.4% QoQ
|
+$13K |
$34,398
+4.0% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 11.8% in tier |
| CD Concentration | 0.0% | -28.9% |
28.9%
-1.3% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
Bottom 0.0% in tier |
| Indirect Auto % | 0.0% | -16.6% |
16.6%
-10.3% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#1 of 14 • Top 0.0% 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):
14.13%
(Tier:
2.82%, National:
4.19%)
Share Draft per Member:
$0.00
(Tier: $3.2K, National: $2.0K)
14 of 64 Large CUs have this signature |
341 nationally
↑ Growing
+6 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#2 of 18 • Top 5.9% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
14.13%
(Tier:
2.82%, National:
4.19%)
18 of 64 Large CUs have this signature |
620 nationally
↑ Growing
+11 CUs YoY
|
New qualifier
Credit Quality Leader
growth
#4 of 16 • Top 20.0% in tier
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why This Signature
Delinquency Rate:
0.19%
(Tier:
0.65%, National:
1.23%)
Delinquency Change (YoY):
0.04% points
(Tier:
0.04% points, National:
0.07% points)
16 of 64 Large CUs have this signature |
457 nationally
→ Stable (15→16 CUs)
+1 CUs YoY
|
Rank improving
Concerns (1)
Credit Quality Pressure
risk
#22 of 34 • Bottom 17.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.04% points
(Tier:
0.04% points, National:
0.07% points)
34 of 64 Large CUs have this signature |
1002 nationally
↓ Shrinking
-17 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)
Top Strengths (12 metrics)
1
Efficiency Ratio
profitability
Value:
38.52%
Peer Avg: -
#1 of 34
Top 0.0% in 5B-7B tier
1
AMR Growth Rate
growth
Value:
14.13%
Peer Avg: -
#1 of 34
Top 0.0% in 5B-7B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 34
Top 0.0% in 5B-7B tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 34
Top 0.0% in 5B-7B tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 34
Top 0.0% in 5B-7B tier
1
Members Per Employee (MPE)
engagement
Value:
806.564
Peer Avg: -
#1 of 34
Top 0.0% in 5B-7B tier
2
Net Worth Ratio
risk
Value:
14.24%
Peer Avg: -
#2 of 34
Top 2.9% in 5B-7B tier
3
Asset Growth Rate
growth
Value:
16.90%
Peer Avg: -
#3 of 34
Top 5.9% in 5B-7B tier
3
Deposit Growth Rate
growth
Value:
19.11%
Peer Avg: -
#3 of 34
Top 5.9% in 5B-7B tier
3
Total Delinquency Rate (60+ days)
risk
Value:
0.19%
Peer Avg: -
#3 of 34
Top 5.9% in 5B-7B tier
Top Weaknesses (10 metrics)
34
Net Interest Margin (NIM)
profitability
Value:
0.77%
Peer Avg: -
#34 of 34
Bottom 2.9% in 5B-7B tier
34
Loan-to-Share Ratio
balance_sheet
Value:
23.55%
Peer Avg: -
#34 of 34
Bottom 2.9% in 5B-7B tier
34
Total Loans
balance_sheet
Value:
$1.03B
Peer Avg: -
#34 of 34
Bottom 2.9% in 5B-7B tier
33
Fee Income Per Member
profitability
Value:
$121.27
Peer Avg: -
#33 of 34
Bottom 5.9% in 5B-7B tier
33
Total Members
engagement
Value:
112,919
Peer Avg: -
#33 of 34
Bottom 5.9% in 5B-7B tier
32
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,107
Peer Avg: -
#32 of 34
Bottom 8.8% in 5B-7B tier
31
Loan Growth Rate
growth
Value:
-2.20%
Peer Avg: -
#31 of 34
Bottom 11.8% in 5B-7B tier
30
Total Assets
balance_sheet
Value:
$5.10B
Peer Avg: -
#30 of 34
Bottom 14.7% in 5B-7B tier
30
Total Deposits
balance_sheet
Value:
$4.37B
Peer Avg: -
#30 of 34
Bottom 14.7% in 5B-7B tier
28
Member Growth Rate
growth
Value:
0.20%
Peer Avg: -
#28 of 34
Bottom 20.6% in 5B-7B tier