BlastPoint's Credit Union Scorecard
SCHOOL DISTRICT 218 EMPLOYEES
Charter #16453 · IL
SCHOOL DISTRICT 218 EMPLOYEES has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 11.45% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 7.2% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
913
-0.7% YoY-0.4% QoQ
|
-1.8K |
2,683
-1.2% YoY
|
19,719
+5.1% YoY
|
31,195
+5.6% YoY
|
26% |
| Assets |
$13.9M
-9.5% YoY-6.3% QoQ
|
$-15.7M |
$29.5M
+0.1% YoY
|
$346.5M
+5.8% YoY
|
$507.9M
+7.0% YoY
|
40% |
| Loans |
$3.3M
+55.9% YoY+16.9% QoQ
|
$-12.9M |
$16.1M
+0.3% YoY
|
$237.1M
+1.3% YoY
|
$358.1M
+5.9% YoY
|
25% |
| Deposits |
$12.5M
-10.4% YoY-6.9% QoQ
|
$-12.9M |
$25.4M
-0.8% YoY
|
$284.8M
+7.1% YoY
|
$425.3M
+6.5% YoY
|
42% |
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| ROA |
0.1%
-59.2% QoQ
|
+0.2% |
-0.1%
-119.4% YoY
|
-8.6%
-1303.7% YoY
|
0.2%
-69.3% YoY
|
21% |
| NIM |
1.7%
+39.2% YoY+19.6% QoQ
|
-2.1% |
3.8%
+12.5% YoY
|
3.6%
+13.1% YoY
|
3.6%
+9.2% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
94.8%
-1.4% YoY+10.8% QoQ
|
+11.4% |
83.4%
-1.6% YoY
|
82.0%
-4.6% YoY
|
81.8%
-0.3% YoY
|
82% |
| Delinquency Rate |
1.5%
+19.7% YoY-1.3% QoQ
|
+0.0 |
1.5%
+12.6% YoY
|
1.7%
+8.9% YoY
|
1.2%
+14.8% YoY
|
74% |
| Loan To Share |
26.2%
+74.1% YoY+25.5% QoQ
|
-36.9% |
63.1%
+2.1% YoY
|
63.4%
+0.9% YoY
|
69.2%
+1.2% YoY
|
Bottom 7.0% in tier |
| AMR |
$17,247
-1.1% YoY-2.3% QoQ
|
+$2K |
$15,039
+4.8% YoY
|
$14,628
-0.4% YoY
|
$19,175
+3.6% YoY
|
70% |
| CD Concentration | 0.0% | -23.4% | 23.4% | 13.2% | 18.5% | 50% |
| Indirect Auto % | 0.0% | -14.8% | 14.8% | 6.9% | 8.1% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)