BlastPoint's Credit Union Scorecard
ST. MARK
Charter #61566 · IL
ST. MARK faces 8 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 4.43% below tier average
- - Efficiency ratio 294.87% above tier (higher cost structure)
- - Delinquency rate 1.90% above tier average
- - Member decline: -4.6% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 1.6% in tier
- - Total Loans: Bottom 2.9% in tier
- - Total Assets: Bottom 3.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
167
-4.6% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 3.5% in tier |
| Assets |
$525,934
+0.5% YoY+4.2% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.2% in tier |
| Loans |
$113,061
-11.4% YoY+12.8% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.9% in tier |
| Deposits |
$412,516
+5.3% YoY+7.0% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-4.3%
-118.9% YoY-234.6% QoQ
|
-4.4% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.2% in tier |
| NIM |
1.3%
-29.1% YoY-50.6% QoQ
|
-2.7% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio |
385.5%
+3401.2% YoY+690.3% QoQ
|
+294.9% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
3.4%
-46.5% YoY
|
+1.9 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.6% in tier |
| Loan To Share |
27.4%
-15.8% YoY+5.4% QoQ
|
-31.1% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.2% in tier |
| AMR |
$3,147
+6.1% YoY+8.2% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.8% in tier |
| CD Concentration |
13.2%
-8.4% YoY-6.5% QoQ
|
-11.1% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 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)