BlastPoint's Credit Union Scorecard
U. S. EMPLOYEES
Charter #61793 · IL
U. S. EMPLOYEES has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 30.0% in tier
- + Profitability Leader: Top 96.5% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 2.2% in tier
- - Membership Headwinds: Bottom 3.5% in tier
- - Institutional Decline: Bottom 18.4% in tier
- - Credit Quality Pressure: Bottom 26.0% in tier
- - Member decline: -8.0% YoY
- - Total Loans: Bottom 0.7% in tier
- - Total Assets: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 2.2% in tier
- - Total Deposits: Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
- - Member Growth Rate: Bottom 5.2% in tier
- - Total Members: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,059
-8.0% YoY-0.5% QoQ
|
-9.6K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 5.7% in tier |
| Assets |
$102.3M
+3.2% YoY+0.2% QoQ
|
$-129.0M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.5% in tier |
| Loans |
$27.7M
-3.0% YoY+0.8% QoQ
|
$-120.1M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.6% in tier |
| Deposits |
$89.0M
+2.0% YoY-0.1% QoQ
|
$-111.3M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.2% in tier |
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| ROA |
1.1%
+79.5% YoY+9.5% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.8%
+18.6% YoY+3.5% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
76.2%
-9.3% YoY-2.9% QoQ
|
-1.1% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.7%
+4.6% YoY+10.0% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
31.2%
-4.8% YoY+0.9% QoQ
|
-41.5% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.1% in tier |
| AMR |
$19,263
+9.5% YoY+0.6% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
3.9%
-6.8% YoY-3.7% QoQ
|
-20.5% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)