BlastPoint's Credit Union Scorecard
URBANA MUNICIPAL EMPLOYEES
Charter #64568 · IL
URBANA MUNICIPAL EMPLOYEES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.20% above tier average
- + Net Interest Margin 0.95% above tier average
- + Asset Growth Rate: Top 2.5% in tier
- + Deposit Growth Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
769
+2.9% YoY+0.1% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$5.0M
+17.1% YoY+3.1% QoQ
|
$-25.2M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.0M
-10.4% YoY-0.4% QoQ
|
$-12.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$4.2M
+17.6% YoY+3.2% QoQ
|
$-21.4M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
1.8%
-7.5% YoY-11.6% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 9.4% in tier |
| NIM |
4.9%
-6.3% YoY-8.8% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
64.9%
+0.3% YoY+1.9% QoQ
|
-17.7% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.6%
-32.1% YoY-28.1% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
71.7%
-23.9% YoY-3.5% QoQ
|
+11.1% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$9,475
+1.0% YoY+1.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
38.8%
+15.8% YoY-2.7% QoQ
|
+14.4% | 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)