BlastPoint's Credit Union Scorecard
A.S.H. EMPLOYEES
Charter #64967 · IL
A.S.H. EMPLOYEES demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.22% above tier average
- + Net Interest Margin 2.11% above tier average
- + Loan-to-Share Ratio: Top 2.7% in tier
- + Loan Growth Rate: Top 7.7% in tier
- + Members Per Employee (MPE): Top 8.4% 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 |
1,164
+0.5% YoY+0.6% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$5.2M
+1.8% YoY-4.8% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$4.3M
+12.7% YoY-0.7% QoQ
|
$-11.5M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$4.1M
-0.3% YoY-6.6% QoQ
|
$-21.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
1.8%
-12.8% YoY+14.3% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 9.1% in tier |
| NIM |
6.1%
+2.9% YoY+6.2% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
70.4%
+8.4% YoY-3.0% QoQ
|
-12.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.2%
-32.0% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
104.2%
+13.0% YoY+6.4% QoQ
|
+43.6% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 2.8% in tier |
| AMR |
$7,234
+5.4% YoY-4.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
12.5%
+8.2% YoY+8.0% QoQ
|
-11.9% | 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)