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BlastPoint's Credit Union Scorecard

HERSHEY ROBINSON EMPLOYEES

Charter #61518 · IL

<100M
2508 CUs in <100M nationally 137 in IL

HERSHEY ROBINSON EMPLOYEES has 3 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.35% above tier average
  • + Net Interest Margin 0.11% above tier average
  • + Member Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - AMR Growth Rate: Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 720
+3.9% YoY-0.1% QoQ
-2.0K 2,676
+1.6% YoY
22,133
+6.8% YoY
33,913
+5.7% YoY
20%
Assets $3.2M
-0.0% YoY+3.8% QoQ
$-27.0M $30.2M
+1.3% YoY
$406.0M
+9.7% YoY
$578.3M
+9.0% YoY
Bottom 13.4% in tier
Loans $1.7M
-10.3% YoY+1.4% QoQ
$-13.6M $15.3M
-2.0% YoY
$279.6M
+10.0% YoY
$402.4M
+8.7% YoY
16%
Deposits $2.4M
-1.7% YoY+4.7% QoQ
$-23.4M $25.8M
+0.7% YoY
$344.9M
+10.3% YoY
$494.3M
+9.1% YoY
Bottom 12.9% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.5%
+43.2% YoY+13.4% QoQ
+1.4% 0.1%
-77.6% YoY
0.5%
-57.9% YoY
0.4%
-39.2% YoY
85%
NIM 4.1%
+13.5% YoY+3.0% QoQ
+0.1% 4.0%
+4.0% YoY
3.7%
-0.2% YoY
3.8%
+4.1% YoY
63%
Efficiency Ratio 64.1%
-9.9% YoY-5.1% QoQ
-26.5% 90.6%
+6.5% YoY
87.0%
+8.4% YoY
84.6%
+2.8% YoY
17%
Delinquency Rate 1.5%
+275.1% YoY+822.3% QoQ
+0.0 1.5%
+3.8% YoY
1.2%
+7.3% YoY
1.2%
+3.4% YoY
75%
Loan To Share 69.9%
-8.7% YoY-3.2% QoQ
+11.4% 58.5%
-3.0% YoY
60.2%
-0.9% YoY
65.6%
-1.4% YoY
67%
AMR $5,613
-9.0% YoY+3.4% QoQ
$-9K $14,884
-1.7% YoY
$15,723
+4.6% YoY
$19,920
+1.6% YoY
Bottom 10.7% in tier
CD Concentration 0.0%
-100.0% YoY
-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)

Comparing against 2508 peers in tier

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
225
Member Growth Rate
growth
Value: 3.90%
Peer Median: -1.37%
#225 of 2508 Top 8.9% in <100M tier
262
Net Worth Ratio
risk
Value: 25.23%
Peer Median: 14.28%
#262 of 2508 Top 10.4% in <100M tier
384
Return on Assets (ROA)
profitability
Value: 1.50%
Peer Median: 0.61%
#384 of 2508 Top 15.3% in <100M tier
419
Efficiency Ratio
profitability
Value: 64.13%
Peer Median: 81.45%
#419 of 2508 Top 16.7% 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 (10 metrics)

2298
AMR Growth Rate
growth
Value: -9.00%
Peer Median: 1.27%
#2298 of 2508 Bottom 8.4% in <100M tier
2240
Average Member Relationship (AMR)
engagement
Value: $5,613
Peer Median: $13,926
#2240 of 2508 Bottom 10.7% in <100M tier
2217
Fee Income Per Member
profitability
Value: $2.60
Peer Median: $60.42
#2217 of 2508 Bottom 11.6% in <100M tier
2184
Total Deposits
balance_sheet
Value: $2.38M
Peer Median: $18.77M
#2184 of 2508 Bottom 13.0% in <100M tier
2172
Total Assets
balance_sheet
Value: $3.18M
Peer Median: $21.86M
#2172 of 2508 Bottom 13.4% in <100M tier
2110
Total Loans
balance_sheet
Value: $1.66M
Peer Median: $9.48M
#2110 of 2508 Bottom 15.9% in <100M tier
2084
Loan-to-Member Ratio (LMR)
engagement
Value: $2,309
Peer Median: $4,923
#2084 of 2508 Bottom 16.9% in <100M tier
2001
Total Members
engagement
Value: 720
Peer Median: 1,918
#2001 of 2508 Bottom 20.3% in <100M tier
1971
Loan Growth Rate
growth
Value: -10.29%
Peer Median: -2.36%
#1971 of 2508 Bottom 21.5% in <100M tier
1886
Total Delinquency Rate (60+ days)
risk
Value: 1.55%
Peer Median: 0.65%
#1886 of 2508 Bottom 24.8% in <100M tier
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