BlastPoint's Credit Union Scorecard
ST. MARK
Charter #61566 · IL
<100M
2556 CUs in <100M nationally
138 in IL
ST. MARK has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.56% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Efficiency Ratio: Top 4.0% in tier
- + Fee Income Per Member: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Total Loans: Bottom 2.8% in tier
- - Loan Growth Rate: Bottom 3.1% in tier
- - Total Assets: Bottom 3.1% in tier
- - Total Deposits: Bottom 3.3% in tier
- - Total Members: Bottom 3.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
167
-4.0% YoY-0.6% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$504,703
+0.8% YoY-0.0% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.1% in tier |
| Loans |
$100,239
-26.5% YoY-4.5% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.7% in tier |
| Deposits |
$385,651
-3.0% YoY+0.7% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.3% in tier |
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| ROA |
3.2%
+233.1% YoY-34.7% QoQ
|
+2.6% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 1.2% in tier |
| NIM |
2.6%
-23.2% YoY+62.2% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio |
48.8%
-37.0% YoY+55.3% QoQ
|
-33.8% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
26.0%
-24.1% YoY-5.2% QoQ
|
-34.6% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.1% in tier |
| AMR |
$2,910
-5.2% YoY+0.2% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.4% in tier |
| CD Concentration |
14.1%
-0.5% YoY-0.7% QoQ
|
-10.3% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
31
Return on Assets (ROA)
profitability
Value:
3.18%
Peer Median: -
#31 of 2556
Top 1.2% in <100M tier
103
Efficiency Ratio
profitability
Value:
48.78%
Peer Median: -
#103 of 2556
Top 4.0% in <100M tier
216
Fee Income Per Member
profitability
Value:
$187.79
Peer Median: -
#216 of 2556
Top 8.4% in <100M tier
341
Net Worth Ratio
risk
Value:
23.55%
Peer Median: -
#341 of 2556
Top 13.3% in <100M tier
Top Weaknesses (13 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.1% in <100M tier
2530
Net Charge-Off Rate
risk
Value:
8.09%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2486
Total Loans
balance_sheet
Value:
$100,239
Peer Median: -
#2486 of 2556
Bottom 2.8% in <100M tier
2477
Loan Growth Rate
growth
Value:
-26.45%
Peer Median: -
#2477 of 2556
Bottom 3.1% in <100M tier
2477
Total Assets
balance_sheet
Value:
$504,703
Peer Median: -
#2477 of 2556
Bottom 3.1% in <100M tier
2472
Total Deposits
balance_sheet
Value:
$385,651
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2463
Total Members
engagement
Value:
167
Peer Median: -
#2463 of 2556
Bottom 3.7% in <100M tier
2451
Loan-to-Member Ratio (LMR)
engagement
Value:
$600.23
Peer Median: -
#2451 of 2556
Bottom 4.1% in <100M tier
2443
Average Member Relationship (AMR)
engagement
Value:
$2,910
Peer Median: -
#2443 of 2556
Bottom 4.5% in <100M tier
2372
Loan-to-Share Ratio
balance_sheet
Value:
25.99%
Peer Median: -
#2372 of 2556
Bottom 7.2% in <100M tier