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BlastPoint's Credit Union Scorecard

DECATUR POLICEMEN

Charter #60293 · IL

<100M
2508 CUs in <100M nationally 137 in IL

DECATUR POLICEMEN has 3 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.05% above tier average
  • + Loan-to-Member Ratio (LMR): Top 7.1% in tier
  • + Loan-to-Share Ratio: Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Members Per Employee (MPE): Bottom 8.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 389
-1.5% YoY0% QoQ
-2.3K 2,676
+1.6% YoY
22,133
+6.8% YoY
33,913
+5.7% YoY
Bottom 10.6% in tier
Assets $5.3M
+1.1% YoY-1.0% QoQ
$-24.9M $30.2M
+1.3% YoY
$406.0M
+9.7% YoY
$578.3M
+9.0% YoY
20%
Loans $4.0M
+0.7% YoY+2.6% QoQ
$-11.2M $15.3M
-2.0% YoY
$279.6M
+10.0% YoY
$402.4M
+8.7% YoY
30%
Deposits $4.5M
+0.2% YoY-1.4% QoQ
$-21.3M $25.8M
+0.7% YoY
$344.9M
+10.3% YoY
$494.3M
+9.1% YoY
21%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.2%
+21.6% YoY-35.2% QoQ
+1.0% 0.1%
-77.6% YoY
0.5%
-57.9% YoY
0.4%
-39.2% YoY
76%
NIM 3.1%
+9.0% YoY+4.4% QoQ
-0.9% 4.0%
+4.0% YoY
3.7%
-0.2% YoY
3.8%
+4.1% YoY
20%
Efficiency Ratio 61.7%
-5.8% YoY+62.2% QoQ
-28.9% 90.6%
+6.5% YoY
87.0%
+8.4% YoY
84.6%
+2.8% YoY
Top 14.1% in tier
Delinquency Rate 0.5%
-70.8% YoY-87.0% QoQ
-1.0 1.5%
+3.8% YoY
1.2%
+7.3% YoY
1.2%
+3.4% YoY
43%
Loan To Share 90.2%
+0.5% YoY+4.1% QoQ
+31.7% 58.5%
-3.0% YoY
60.2%
-0.9% YoY
65.6%
-1.4% YoY
Top 8.1% in tier
AMR $21,938
+2.0% YoY+0.5% QoQ
+$7K $14,884
-1.7% YoY
$15,723
+4.6% YoY
$19,920
+1.6% YoY
84%
CD Concentration 0.0% -24.3% 24.3% 14.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.2% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
179
Loan-to-Member Ratio (LMR)
engagement
Value: $10,402
Peer Median: $4,923
#179 of 2508 Top 7.1% in <100M tier
202
Loan-to-Share Ratio
balance_sheet
Value: 90.18%
Peer Median: 58.72%
#202 of 2508 Top 8.0% in <100M tier
354
Efficiency Ratio
profitability
Value: 61.73%
Peer Median: 81.45%
#354 of 2508 Top 14.1% in <100M tier
393
Average Member Relationship (AMR)
engagement
Value: $21,938
Peer Median: $13,926
#393 of 2508 Top 15.6% in <100M tier
598
Return on Assets (ROA)
profitability
Value: 1.20%
Peer Median: 0.61%
#598 of 2508 Top 23.8% in <100M tier

Top Weaknesses (7 metrics)

2300
Members Per Employee (MPE)
engagement
Value: 129.667
Peer Median: 333.750
#2300 of 2508 Bottom 8.3% in <100M tier
2243
Total Members
engagement
Value: 389
Peer Median: 1,918
#2243 of 2508 Bottom 10.6% in <100M tier
2216
Net Charge-Off Rate
risk
Value: 1.19%
Peer Median: 0.07%
#2216 of 2508 Bottom 11.7% in <100M tier
2099
Fee Income Per Member
profitability
Value: $6.26
Peer Median: $60.42
#2099 of 2508 Bottom 16.3% in <100M tier
2016
Total Assets
balance_sheet
Value: $5.26M
Peer Median: $21.86M
#2016 of 2508 Bottom 19.7% in <100M tier
1993
Net Interest Margin (NIM)
profitability
Value: 3.08%
Peer Median: 3.83%
#1993 of 2508 Bottom 20.6% in <100M tier
1986
Total Deposits
balance_sheet
Value: $4.49M
Peer Median: $18.77M
#1986 of 2508 Bottom 20.9% in <100M tier
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