BlastPoint's Credit Union Scorecard
SHILOH ENGLEWOOD
Charter #15454 · IL
2556 CUs in <100M nationally
138 in IL
SHILOH ENGLEWOOD has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): 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
- + Loan Growth Rate: Top 0.7% in tier
- + Asset Growth Rate: Top 1.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 18.94% below tier average
- - Efficiency ratio 1985.05% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - Total Deposits: Bottom 1.4% in tier
- - Total Loans: Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Total Assets: Bottom 2.1% in tier
- - Total Members: Bottom 2.5% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
133
-2.9% YoY-10.1% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 2.4% in tier |
| Assets |
$367,522
+21.9% YoY+13.4% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.0% in tier |
| Loans |
$25,572
+52.0% YoY-10.3% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.4% in tier |
| Deposits |
$167,215
-7.8% YoY-6.7% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.4% in tier |
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| ROA |
-18.3%
-189.8% YoY-0.8% QoQ
|
-18.9% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.2% in tier |
| NIM |
0.6%
-41.1% YoY-51.2% QoQ
|
-3.3% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
2067.6%
+35773.0% YoY+50.8% QoQ
|
+1985.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 0.3% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
15.3%
+64.9% YoY-3.9% QoQ
|
-45.3% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.8% in tier |
| AMR |
$1,450
+0.2% YoY+3.3% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
19
Loan Growth Rate
growth
Value:
52.04%
Peer Median: -
#19 of 2556
Top 0.7% in <100M tier
36
Asset Growth Rate
growth
Value:
21.90%
Peer Median: -
#36 of 2556
Top 1.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (13 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2552
Return on Assets (ROA)
profitability
Value:
-18.32%
Peer Median: -
#2552 of 2556
Bottom 0.2% in <100M tier
2550
Efficiency Ratio
profitability
Value:
2067.61%
Peer Median: -
#2550 of 2556
Bottom 0.3% in <100M tier
2546
Net Interest Margin (NIM)
profitability
Value:
0.60%
Peer Median: -
#2546 of 2556
Bottom 0.4% in <100M tier
2521
Total Deposits
balance_sheet
Value:
$167,215
Peer Median: -
#2521 of 2556
Bottom 1.4% in <100M tier
2520
Total Loans
balance_sheet
Value:
$25,572
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2513
Average Member Relationship (AMR)
engagement
Value:
$1,450
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2512
Loan-to-Member Ratio (LMR)
engagement
Value:
$192.27
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2504
Total Assets
balance_sheet
Value:
$367,522
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2494
Total Members
engagement
Value:
133
Peer Median: -
#2494 of 2556
Bottom 2.5% in <100M tier