BlastPoint's Credit Union Scorecard
ILLINOIS STATE
Charter #64920 · IL
ILLINOIS STATE has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 45.7% in tier
- + Organic Growth Engine: Top 77.8% in tier
- + Emerging Performer: Top 87.3% in tier
- + Net Interest Margin 0.85% above tier average
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 25.9% in tier
- - ROA 0.07% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,102
+2.3% YoY+0.1% QoQ
|
+2.7K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$242.1M
+10.5% YoY+6.1% QoQ
|
+$10.3M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$181.7M
+10.3% YoY+1.4% QoQ
|
+$34.4M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$214.4M
+10.8% YoY+6.8% QoQ
|
+$13.6M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.7%
+50.4% YoY+10.1% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
4.5%
+10.5% YoY-2.1% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 10.5% in tier |
| Efficiency Ratio |
74.0%
-6.3% YoY+0.1% QoQ
|
-3.0% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.4%
-24.9% YoY-29.9% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
84.7%
-0.4% YoY-5.0% QoQ
|
+12.5% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$21,884
+8.1% YoY+4.2% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
27.2%
-4.8% YoY-8.4% QoQ
|
+2.8% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
27.3%
+6.3% YoY-0.0% QoQ
|
+13.6% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)