BlastPoint's Credit Union Scorecard
OAK LAWN MUNICIPAL EMPLOYEES
Charter #62717 · IL
OAK LAWN MUNICIPAL EMPLOYEES demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
830
+0.5% YoY+1.0% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$4.5M
+2.9% YoY-1.0% QoQ
|
$-25.7M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.5M
-9.7% YoY-5.4% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$3.8M
+2.4% YoY-1.0% QoQ
|
$-21.9M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.8%
-2.4% YoY-19.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.6%
+1.2% YoY-11.1% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
73.8%
-3.6% YoY+4.9% QoQ
|
-8.7% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.2%
+75.7% YoY-62.7% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
64.6%
-11.8% YoY-4.4% QoQ
|
+4.0% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$7,584
-3.2% YoY-3.7% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)