BlastPoint's Credit Union Scorecard

U. S. EMPLOYEES

Charter #61793 · IL

100M-500M

1069 CUs in 100M-500M nationally 30 in IL

U. S. EMPLOYEES has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.39% above tier average
+ Net Interest Margin 0.33% above tier average
+ Share Certificate Concentration (%): Top 3.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Member decline: -8.2% YoY
- Total Loans: Bottom 0.7% in tier
- Total Assets: Bottom 1.1% in tier
- Total Deposits: Bottom 2.1% in tier
- Loan-to-Share Ratio: Bottom 2.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	5,957 -8.2% YoY-1.7% QoQ	-9.5K	15,437 -2.9% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	Bottom 5.6% in tier
Assets	$101.7M +2.4% YoY-0.6% QoQ	$-130.2M	$231.9M +1.3% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	Bottom 1.0% in tier
Loans	$27.5M -1.1% YoY-0.8% QoQ	$-119.8M	$147.3M -0.1% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	Bottom 0.7% in tier
Deposits	$88.2M +1.4% YoY-0.8% QoQ	$-112.6M	$200.8M +0.8% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	Bottom 2.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +65.7% YoY+2.3% QoQ	+0.4%	0.8% +18.2% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	78%
NIM	3.9% +18.5% YoY+2.8% QoQ	+0.3%	3.6% +6.7% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	69%
Efficiency Ratio	75.8% -9.2% YoY-0.4% QoQ	-1.2%	77.0% -3.1% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	44%
Delinquency Rate	0.5% -26.2% YoY-26.1% QoQ	-0.4	0.9% +4.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	36%
Loan To Share	31.2% -2.4% YoY+0.1% QoQ	-41.0%	72.2% -1.1% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	Bottom 2.2% in tier
AMR	$19,431 +9.8% YoY+0.9% QoQ	$-5K	$24,676 +3.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	30%
CD Concentration	3.8% -9.8% YoY-0.8% QoQ	-20.6%	24.4%	14.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#155 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.79%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#57 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -8.21%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#125 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.21%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.08%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.54%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#178 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $101.68M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -8.21%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.08%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 3.83%

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

124

AMR Growth Rate

growth

Value: 9.79%

Peer Median: -

#124 of 1069 Top 11.5% in 100M-500M tier

225

Fee Income Per Member

profitability

Value: $226.49

Peer Median: -

#225 of 1069 Top 21.0% in 100M-500M tier

240

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1062

Total Loans

balance_sheet

Value: $27.52M

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1058

Total Assets

balance_sheet

Value: $101.68M

Peer Median: -

#1058 of 1069 Bottom 1.1% in 100M-500M tier

1048

Total Deposits

balance_sheet

Value: $88.23M

Peer Median: -

#1048 of 1069 Bottom 2.1% in 100M-500M tier

1046

Loan-to-Share Ratio

balance_sheet

Value: 31.19%

Peer Median: -

#1046 of 1069 Bottom 2.2% in 100M-500M tier

1027

Loan-to-Member Ratio (LMR)

engagement

Value: $4,619

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

1019

Member Growth Rate

growth

Value: -8.21%

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier

1009

Total Members

engagement

Value: 5,957

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier