BlastPoint's Credit Union Scorecard
LOYOLA UNIVERSITY EMPLOYEES
Charter #23421 · IL
LOYOLA UNIVERSITY EMPLOYEES has 3 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 3.22% below tier average
- - Efficiency ratio 973.03% above tier (higher cost structure)
- - Member decline: -8.9% YoY
- - Fee Income Per Member: Bottom 0.1% in tier
- - Loan-to-Share Ratio: Bottom 2.4% in tier
- - Net Interest Margin (NIM): Bottom 5.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier
- - Asset Growth Rate: Bottom 6.9% in tier
- - Member Growth Rate: Bottom 7.1% in tier
- - Loan Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,853
-8.9% YoY-1.6% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$38.3M
-8.7% YoY-1.7% QoQ
|
+$8.5M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$4.3M
-17.4% YoY-4.3% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$34.8M
-7.7% YoY-1.4% QoQ
|
+$9.4M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
-2.5%
+58.5% YoY+73.7% QoQ
|
-3.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.5% in tier |
| NIM |
2.2%
+5.1% YoY+10.0% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.0% in tier |
| Efficiency Ratio |
1054.4%
+399.8% YoY+412.1% QoQ
|
+973.0% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 0.3% in tier |
| Delinquency Rate |
0.3%
-76.6% YoY-4.9% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
12.4%
-10.4% YoY-2.9% QoQ
|
-48.8% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.2% in tier |
| AMR |
$10,157
-0.0% YoY-0.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
30.2%
+22.6% YoY+7.1% QoQ
|
+5.8% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)