BlastPoint's Credit Union Scorecard
CLIFFORD-JACOBS EMPLOYEES
Charter #60627 · IL
<100M
2508 CUs in <100M nationally
137 in IL
CLIFFORD-JACOBS EMPLOYEES has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Net Interest Margin 1.77% above tier average
- + Loan-to-Share Ratio: Top 0.4% in tier
- + Net Worth Ratio: Top 0.6% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.92% above tier average
- - Member decline: -8.6% YoY
- - Total Members: Bottom 3.3% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Total Assets: Bottom 6.3% in tier
- - Member Growth Rate: Bottom 7.6% in tier
- - Deposit Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
159
-8.6% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 3.3% in tier |
| Assets |
$1.2M
-3.3% YoY+3.7% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.2% in tier |
| Loans |
$615,348
-12.8% YoY-10.8% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.9% in tier |
| Deposits |
$519,071
-8.7% YoY+7.7% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.1% in tier |
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| ROA |
1.3%
-43.3% YoY+24.0% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
5.8%
-11.6% YoY-11.8% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
79.4%
+18.7% YoY-6.5% QoQ
|
-11.2% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
3.4%
+5541.2% YoY
|
+1.9 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.5% in tier |
| Loan To Share |
118.5%
-4.5% YoY-17.2% QoQ
|
+60.0% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Top 0.6% in tier |
| AMR |
$7,135
-2.6% YoY-3.2% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
15% |
| 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)
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
12
Loan-to-Share Ratio
balance_sheet
Value:
118.55%
Peer Median: 58.72%
#12 of 2508
Top 0.4% in <100M tier
15
Net Worth Ratio
risk
Value:
55.39%
Peer Median: 14.28%
#15 of 2508
Top 0.6% in <100M tier
67
Net Charge-Off Rate
risk
Value:
-0.61%
Peer Median: 0.07%
#67 of 2508
Top 2.6% in <100M tier
118
Net Interest Margin (NIM)
profitability
Value:
5.77%
Peer Median: 3.83%
#118 of 2508
Top 4.7% in <100M tier
522
Return on Assets (ROA)
profitability
Value:
1.29%
Peer Median: 0.61%
#522 of 2508
Top 20.8% in <100M tier
Top Weaknesses (11 metrics)
2426
Total Members
engagement
Value:
159
Peer Median: 1,918
#2426 of 2508
Bottom 3.3% in <100M tier
2405
Total Deposits
balance_sheet
Value:
$519,071
Peer Median: $18.77M
#2405 of 2508
Bottom 4.1% in <100M tier
2387
Members Per Employee (MPE)
engagement
Value:
79.500
Peer Median: 333.750
#2387 of 2508
Bottom 4.9% in <100M tier
2352
Total Assets
balance_sheet
Value:
$1.17M
Peer Median: $21.86M
#2352 of 2508
Bottom 6.3% in <100M tier
2318
Member Growth Rate
growth
Value:
-8.62%
Peer Median: -1.37%
#2318 of 2508
Bottom 7.6% in <100M tier
2303
Deposit Growth Rate
growth
Value:
-8.71%
Peer Median: 0.66%
#2303 of 2508
Bottom 8.2% in <100M tier
2285
Total Loans
balance_sheet
Value:
$615,348
Peer Median: $9.48M
#2285 of 2508
Bottom 8.9% in <100M tier
2271
Total Delinquency Rate (60+ days)
risk
Value:
3.42%
Peer Median: 0.65%
#2271 of 2508
Bottom 9.5% in <100M tier
2124
Average Member Relationship (AMR)
engagement
Value:
$7,135
Peer Median: $13,926
#2124 of 2508
Bottom 15.4% in <100M tier
2121
Loan Growth Rate
growth
Value:
-12.80%
Peer Median: -2.36%
#2121 of 2508
Bottom 15.5% in <100M tier