BlastPoint's Credit Union Scorecard
SHILOH ENGLEWOOD
Charter #15454 · IL
<100M
2508 CUs in <100M nationally
137 in IL
SHILOH ENGLEWOOD has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Asset Growth Rate: Top 3.9% in tier
- + Deposit Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 9.87% below tier average
- - Efficiency ratio 397.09% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 1.6% in tier
- - Total Deposits: Bottom 1.6% in tier
- - Total Loans: Bottom 2.4% in tier
- - Average Member Relationship (AMR): Bottom 2.4% in tier
- - Total Members: Bottom 2.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
143
+2.9% YoY+7.5% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 2.7% in tier |
| Assets |
$318,343
+13.1% YoY-13.4% QoQ
|
$-29.9M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.6% in tier |
| Loans |
$69,424
+418.8% YoY+171.5% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.4% in tier |
| Deposits |
$194,849
+11.3% YoY+16.5% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.6% in tier |
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| ROA |
-9.7%
-116.0% YoY-46.9% QoQ
|
-9.9% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.8% in tier |
| NIM |
1.8%
+10.5% YoY+204.3% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
487.7%
+11615.4% YoY-76.4% QoQ
|
+397.1% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
35.6%
+366.0% YoY+133.0% QoQ
|
-22.9% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$1,848
+36.4% YoY+27.5% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
4
Loan Growth Rate
growth
Value:
418.83%
Peer Median: -2.36%
#4 of 2508
Top 0.1% in <100M tier
24
AMR Growth Rate
growth
Value:
36.36%
Peer Median: 1.27%
#24 of 2508
Top 0.9% in <100M tier
98
Asset Growth Rate
growth
Value:
13.08%
Peer Median: 1.30%
#98 of 2508
Top 3.9% in <100M tier
170
Deposit Growth Rate
growth
Value:
11.34%
Peer Median: 0.66%
#170 of 2508
Top 6.7% in <100M tier
313
Member Growth Rate
growth
Value:
2.88%
Peer Median: -1.37%
#313 of 2508
Top 12.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (12 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2493
Efficiency Ratio
profitability
Value:
487.72%
Peer Median: 81.45%
#2493 of 2508
Bottom 0.6% in <100M tier
2488
Return on Assets (ROA)
profitability
Value:
-9.72%
Peer Median: 0.61%
#2488 of 2508
Bottom 0.8% in <100M tier
2469
Total Assets
balance_sheet
Value:
$318,343
Peer Median: $21.86M
#2469 of 2508
Bottom 1.6% in <100M tier
2469
Total Deposits
balance_sheet
Value:
$194,849
Peer Median: $18.77M
#2469 of 2508
Bottom 1.6% in <100M tier
2448
Total Loans
balance_sheet
Value:
$69,424
Peer Median: $9.48M
#2448 of 2508
Bottom 2.4% in <100M tier
2448
Average Member Relationship (AMR)
engagement
Value:
$1,848
Peer Median: $13,926
#2448 of 2508
Bottom 2.4% in <100M tier
2439
Total Members
engagement
Value:
143
Peer Median: 1,918
#2439 of 2508
Bottom 2.8% in <100M tier
2436
Net Interest Margin (NIM)
profitability
Value:
1.84%
Peer Median: 3.83%
#2436 of 2508
Bottom 2.9% in <100M tier
2419
Loan-to-Member Ratio (LMR)
engagement
Value:
$485.48
Peer Median: $4,923
#2419 of 2508
Bottom 3.6% in <100M tier