BlastPoint's Credit Union Scorecard
ILLINOIS STATE
Charter #64920 · IL
ILLINOIS STATE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 1.18% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,449
+4.4% YoY+1.9% QoQ
|
+3.3K |
15,145
-2.5% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$252.6M
+8.4% YoY+4.3% QoQ
|
+$20.9M |
$231.7M
+0.8% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$187.6M
+12.7% YoY+3.2% QoQ
|
+$43.4M |
$144.1M
+0.2% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$223.8M
+8.4% YoY+4.4% QoQ
|
+$22.7M |
$201.1M
+0.4% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
64% |
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 |
1.0%
+70.0% YoY+44.6% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
4.8%
-0.1% YoY+8.0% QoQ
|
+1.2% |
3.6%
+4.6% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
74.2%
-4.7% YoY+0.2% QoQ
|
-3.9% |
78.0%
-1.7% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
0.5%
-16.4% YoY+7.1% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
83.8%
+4.0% YoY-1.1% QoQ
|
+13.4% |
70.4%
-0.4% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$22,298
+5.6% YoY+1.9% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
26.4%
-7.7% YoY-3.1% QoQ
|
+2.1% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % |
28.7%
+8.9% YoY+4.9% QoQ
|
+14.9% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)