BlastPoint's Credit Union Scorecard
ILLINOIS STATE POLICE
Charter #17335 · IL
ILLINOIS STATE POLICE has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 39.2% in tier
- + Credit Quality Leader: Top 68.1% in tier
- + Share Certificate Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 4.9% in tier
- - Membership Headwinds: Bottom 17.4% in tier
- - Stagnation Risk: Bottom 19.2% in tier
- - Institutional Decline: Bottom 29.3% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 2.37% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Total Loans: Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 5.3% in tier
- - Total Members: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,166
-2.4% YoY-0.3% QoQ
|
-9.5K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 6.1% in tier |
| Assets |
$120.5M
+7.9% YoY-0.2% QoQ
|
$-110.8M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.3% in tier |
| Loans |
$28.8M
-2.2% YoY-0.1% QoQ
|
$-119.0M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.8% in tier |
| Deposits |
$107.8M
+8.1% YoY-0.6% QoQ
|
$-92.5M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
0.5%
-57.6% YoY+42.8% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
2.9%
-19.3% YoY+5.9% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio |
79.6%
+21.6% YoY-4.4% QoQ
|
+2.4% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.3%
-46.5% YoY+481.1% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
26.7%
-9.6% YoY+0.5% QoQ
|
-46.0% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$22,156
+8.3% YoY-0.2% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
3.5%
-10.9% YoY-2.9% QoQ
|
-20.9% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.5%
-50.4% YoY-8.9% QoQ
|
-12.5% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
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)