BlastPoint's Credit Union Scorecard
ST. GREGORY PARISH
Charter #60680 · IL
<100M
2508 CUs in <100M nationally
137 in IL
ST. GREGORY PARISH has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 46.1% YoY
- + Asset Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.4% in tier
- + Member Growth Rate: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.22% below tier average
- - Efficiency ratio 79.07% above tier (higher cost structure)
- - Delinquency rate 1.53% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 2.2% in tier
- - Total Members: Bottom 3.6% in tier
- - Total Assets: Bottom 4.0% in tier
- - Total Loans: Bottom 4.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
168
+46.1% YoY+40.0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$686,852
+80.0% YoY+74.8% QoQ
|
$-29.5M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.9% in tier |
| Loans |
$184,110
+5.8% YoY+28.8% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.0% in tier |
| Deposits |
$529,344
+60.9% YoY+57.6% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.2% in tier |
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| ROA |
-1.1%
-189.5% QoQ
|
-1.2% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.9% in tier |
| NIM |
1.5%
-29.0% YoY-46.7% QoQ
|
-2.5% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio |
169.7%
+69.8% YoY+188.7% QoQ
|
+79.1% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate |
3.0%
+33.4% QoQ
|
+1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.4% in tier |
| Loan To Share |
34.8%
-34.2% YoY-18.3% QoQ
|
-23.7% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$4,247
-2.9% YoY+6.4% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.7% in tier |
| 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 (9 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
3
Asset Growth Rate
growth
Value:
79.96%
Peer Median: 1.30%
#3 of 2508
Top 0.1% in <100M tier
10
Deposit Growth Rate
growth
Value:
60.89%
Peer Median: 0.66%
#10 of 2508
Top 0.4% in <100M tier
14
Member Growth Rate
growth
Value:
46.09%
Peer Median: -1.37%
#14 of 2508
Top 0.5% in <100M tier
362
Net Worth Ratio
risk
Value:
22.93%
Peer Median: 14.28%
#362 of 2508
Top 14.4% in <100M tier
451
Loan Growth Rate
growth
Value:
5.81%
Peer Median: -2.36%
#451 of 2508
Top 17.9% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (13 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2454
Net Interest Margin (NIM)
profitability
Value:
1.53%
Peer Median: 3.83%
#2454 of 2508
Bottom 2.2% in <100M tier
2453
Efficiency Ratio
profitability
Value:
169.70%
Peer Median: 81.45%
#2453 of 2508
Bottom 2.2% in <100M tier
2418
Total Members
engagement
Value:
168
Peer Median: 1,918
#2418 of 2508
Bottom 3.6% in <100M tier
2409
Total Assets
balance_sheet
Value:
$686,852
Peer Median: $21.86M
#2409 of 2508
Bottom 4.0% in <100M tier
2408
Total Loans
balance_sheet
Value:
$184,110
Peer Median: $9.48M
#2408 of 2508
Bottom 4.0% in <100M tier
2403
Total Deposits
balance_sheet
Value:
$529,344
Peer Median: $18.77M
#2403 of 2508
Bottom 4.2% in <100M tier
2351
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,096
Peer Median: $4,923
#2351 of 2508
Bottom 6.3% in <100M tier
2340
Average Member Relationship (AMR)
engagement
Value:
$4,247
Peer Median: $13,926
#2340 of 2508
Bottom 6.7% in <100M tier
2336
Fee Income Per Member
profitability
Value:
$0.52
Peer Median: $60.42
#2336 of 2508
Bottom 6.9% in <100M tier