BlastPoint's Credit Union Scorecard
ST. MARK
Charter #61566 · IL
ST. MARK has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.24% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 297.19% above tier (higher cost structure)
- - Member decline: -9.7% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - Total Loans: Bottom 2.6% in tier
- - Total Assets: Bottom 2.8% in tier
- - Total Deposits: Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 3.1% 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 -7.5% year over year ($362K in shares and deposits).
- Membership: 159 members, -9.7% vs a year ago.
- Delinquency rate 1.11%.
- Return on assets 3.73%.
- Efficiency ratio 385.96% vs a 88.77% peer average.
- Loan-to-share ratio 24.39% 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 |
159
-9.7% YoY-4.8% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 3.2% in tier |
| Assets |
$471,642
-10.0% YoY-10.3% QoQ
|
$-29.8M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.8% in tier |
| Loans |
$88,281
-28.5% YoY-21.9% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.5% in tier |
| Deposits |
$361,895
-7.5% YoY-12.3% QoQ
|
$-25.4M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.9% in tier |
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| ROA |
3.7%
-67.3% YoY-187.1% QoQ
|
+2.2% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 2.9% in tier |
| NIM |
1.2%
-26.3% YoY-8.5% QoQ
|
-2.7% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
386.0%
+2616.0% YoY+0.1% QoQ
|
+297.2% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate |
1.1%
-91.7% YoY-67.4% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
24.4%
-22.7% YoY-11.0% QoQ
|
-34.5% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.0% in tier |
| AMR |
$2,831
-3.2% YoY-10.0% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
15.1%
+4.4% YoY+14.0% QoQ
|
-9.5% | 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)