BlastPoint's Credit Union Scorecard
ST. GREGORY PARISH
Charter #60680 · IL
ST. GREGORY PARISH has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 69.6% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.98% below tier average
- - Efficiency ratio 40.45% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - AMR Growth Rate: Bottom 2.6% in tier
- - Total Loans: Bottom 3.7% in tier
- - Total Assets: Bottom 3.8% in tier
- - Total Deposits: Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits +61.3% year over year ($525K in shares and deposits).
- Membership: 195 members, +69.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.51%.
- Efficiency ratio 129.22% vs a 88.77% peer average.
- Loan-to-share ratio 31.22% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
195
+69.6% YoY+16.1% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 4.7% in tier |
| Assets |
$682,648
+79.7% YoY-0.6% QoQ
|
$-29.6M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.7% in tier |
| Loans |
$163,929
-3.6% YoY-11.0% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.6% in tier |
| Deposits |
$525,008
+61.3% YoY-0.8% QoQ
|
$-25.3M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.0% in tier |
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| ROA |
0.5%
-58.2% YoY-147.8% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
1.7%
-39.2% YoY+13.9% QoQ
|
-2.2% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
129.2%
+123.9% YoY-23.9% QoQ
|
+40.5% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
31.2%
-40.2% YoY-10.2% QoQ
|
-27.7% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.4% in tier |
| AMR |
$3,533
-18.0% YoY-16.8% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.1% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)