BlastPoint's Credit Union Scorecard
SHERWIN WILLIAMS EMP.
Charter #61368 · IL
SHERWIN WILLIAMS EMP. faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.49% below tier average
- - Efficiency ratio 5.06% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Indirect Auto Concentration (%): Bottom 1.7% in tier
- - Asset Growth Rate: Bottom 4.4% in tier
- - Deposit Growth Rate: Bottom 4.7% 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 -12.7% year over year ($33.3M in shares and deposits).
- Membership: 2,976 members, -5.7% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.00%.
- Efficiency ratio 93.82% vs a 88.77% peer average.
- Loan-to-share ratio 46.18% 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 |
2,976
-5.7% YoY-1.6% QoQ
|
+390 |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$37.0M
-10.8% YoY-9.4% QoQ
|
+$6.7M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$15.4M
-6.2% YoY+3.5% QoQ
|
$-57K |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$33.3M
-12.7% YoY-10.4% QoQ
|
+$7.5M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.0%
-99.1% YoY-98.9% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.2% in tier |
| NIM |
3.2%
+6.9% YoY+4.9% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
93.8%
+10.2% YoY-0.7% QoQ
|
+5.1% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.9%
+63.6% YoY+212.7% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
46.2%
+7.4% YoY+15.5% QoQ
|
-12.7% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$16,380
-5.3% YoY-5.0% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
5.5%
+21.4% YoY+7.7% QoQ
|
-19.0% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % |
46.2%
-29.7% YoY-15.0% QoQ
|
+32.6% | 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)