BlastPoint's Credit Union Scorecard

SIUE

Charter #65046 · IL

<100M

2556 CUs in <100M nationally 138 in IL

SIUE demonstrates 2 strengths

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.53% above tier average
+ Net Interest Margin 0.17% above tier average

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	1,656 -1.8% YoY0% QoQ	-959	2,615 -1.9% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	44%
Assets	$29.5M +4.1% YoY+0.6% QoQ	$-643K	$30.1M +2.1% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	59%
Loans	$11.8M +4.1% YoY+0.2% QoQ	$-3.9M	$15.8M -1.3% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	55%
Deposits	$26.2M +3.0% YoY+0.3% QoQ	+$540K	$25.7M +1.4% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +14.0% YoY+2.1% QoQ	+0.5%	0.6% +10.8% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	72%
NIM	4.1% +1.5% YoY+0.2% QoQ	+0.2%	4.0% +4.0% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	73.0% +6.2% YoY-0.3% QoQ	-9.6%	82.6% -2.3% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	34%
Delinquency Rate	0.8% +0.1% YoY+276.1% QoQ	-0.8	1.6% -3.1% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	52%
Loan To Share	45.1% +1.0% YoY-0.2% QoQ	-15.5%	60.6% -3.1% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	26%
AMR	$22,985 +5.2% YoY+0.3% QoQ	+$8K	$14,783 -1.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	Top 12.0% in tier
CD Concentration	4.2% +12.7% YoY+12.5% QoQ	-20.2%	24.4%	14.1%	19.8%	50%
Indirect Auto %	0.2% -65.3% YoY-15.7% QoQ	-13.6%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (3 metrics)

307

Average Member Relationship (AMR)

engagement

Value: $22,985

Peer Median: -

#307 of 2556 Top 12.0% in <100M tier

624

Loan-to-Member Ratio (LMR)

engagement

Value: $7,147

Peer Median: -

#624 of 2556 Top 24.4% in <100M tier

633

Loan Growth Rate

growth

Value: 4.10%

Peer Median: -

#633 of 2556 Top 24.7% in <100M tier

Top Weaknesses (3 metrics)

2171

Indirect Auto Concentration (%)

balance_sheet

Value: 0.23%

Peer Median: -

#2171 of 2556 Bottom 15.1% in <100M tier

2124

Members Per Employee (MPE)

engagement

Value: 207.000

Peer Median: -

#2124 of 2556 Bottom 16.9% in <100M tier

2011

Net Worth Ratio

risk

Value: 10.64%

Peer Median: -

#2011 of 2556 Bottom 21.4% in <100M tier