BlastPoint's Credit Union Scorecard
ILLINOIS STATE POLICE
Charter #17335 · IL
ILLINOIS STATE POLICE has 3 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.4% in tier
- + Total Delinquency Rate (60+ days): Top 2.3% in tier
- + Share Certificate Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 61.1% in tier
- - Stagnation Risk: Bottom 68.5% in tier
- - Institutional Decline: Bottom 89.5% in tier
- - Cost Spiral: Bottom 95.6% in tier
- - ROA 0.04% below tier average
- - Member decline: -2.0% YoY
- - Total Loans: Bottom 0.8% in tier
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 5.3% in tier
- - Total Members: Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,119
-2.0% YoY-0.8% QoQ
|
-9.3K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 6.3% in tier |
| Assets |
$122.2M
+7.9% YoY+1.4% QoQ
|
$-109.7M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.8% in tier |
| Loans |
$27.7M
-2.5% YoY-3.9% QoQ
|
$-119.6M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.7% in tier |
| Deposits |
$109.1M
+7.8% YoY+1.2% QoQ
|
$-91.7M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.7%
-37.2% YoY+31.2% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.0%
-14.5% YoY+4.1% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
76.4%
+7.7% YoY-4.1% QoQ
|
-0.7% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.1%
-28.5% YoY-79.9% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.3% in tier |
| Loan To Share |
25.4%
-9.5% YoY-5.1% QoQ
|
-46.8% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.8% in tier |
| AMR |
$22,356
+7.7% YoY+0.9% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
3.5%
-9.5% YoY-0.8% QoQ
|
-20.9% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
1.4%
-47.4% YoY-10.1% QoQ
|
-12.4% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)