BlastPoint's Credit Union Scorecard
CLIFFORD-JACOBS EMPLOYEES
Charter #60627 · IL
2556 CUs in <100M nationally
138 in IL
CLIFFORD-JACOBS EMPLOYEES has 8 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Net Interest Margin 2.60% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.42% above tier (higher cost structure)
- - Member decline: -10.7% YoY
- - Deposit Growth Rate: Bottom 2.3% in tier
- - Total Members: Bottom 3.3% in tier
- - Total Deposits: Bottom 4.0% in tier
- - Member Growth Rate: Bottom 4.9% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Net Charge-Off Rate: Bottom 5.2% in tier
- - Total Assets: Bottom 6.3% in tier
- - Asset Growth Rate: Bottom 8.6% in tier
- - Total Loans: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
159
-10.7% YoY-1.9% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 3.2% in tier |
| Assets |
$1.1M
-7.1% YoY-0.6% QoQ
|
$-29.0M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.2% in tier |
| Loans |
$689,686
-6.7% YoY-7.2% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.0% in tier |
| Deposits |
$481,977
-16.8% YoY-2.3% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-65.8% YoY+33.7% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
6.5%
+1.9% YoY+0.8% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
85.0%
+58.5% YoY-4.2% QoQ
|
+2.4% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
143.1%
+12.1% YoY-5.0% QoQ
|
+82.5% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 0.1% in tier |
| AMR |
$7,369
-0.5% YoY-3.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Loan-to-Share Ratio
balance_sheet
Value:
143.10%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
16
Net Worth Ratio
risk
Value:
57.13%
Peer Median: -
#16 of 2556
Top 0.6% in <100M tier
52
Net Interest Margin (NIM)
profitability
Value:
6.55%
Peer Median: -
#52 of 2556
Top 2.0% in <100M tier
Top Weaknesses (10 metrics)
2499
Deposit Growth Rate
growth
Value:
-16.80%
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2472
Total Members
engagement
Value:
159
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2454
Total Deposits
balance_sheet
Value:
$481,977
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2432
Member Growth Rate
growth
Value:
-10.67%
Peer Median: -
#2432 of 2556
Bottom 4.9% in <100M tier
2431
Members Per Employee (MPE)
engagement
Value:
79.500
Peer Median: -
#2431 of 2556
Bottom 4.9% in <100M tier
2424
Net Charge-Off Rate
risk
Value:
2.23%
Peer Median: -
#2424 of 2556
Bottom 5.2% in <100M tier
2397
Total Assets
balance_sheet
Value:
$1.12M
Peer Median: -
#2397 of 2556
Bottom 6.3% in <100M tier
2337
Asset Growth Rate
growth
Value:
-7.13%
Peer Median: -
#2337 of 2556
Bottom 8.6% in <100M tier
2325
Total Loans
balance_sheet
Value:
$689,686
Peer Median: -
#2325 of 2556
Bottom 9.1% in <100M tier
2139
Average Member Relationship (AMR)
engagement
Value:
$7,369
Peer Median: -
#2139 of 2556
Bottom 16.4% in <100M tier