BlastPoint's Credit Union Scorecard
STATE EMPLOYEES COMMUNITY
Charter #65259 · IL
STATE EMPLOYEES COMMUNITY demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 1.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.7% 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 |
1,027
+3.9% YoY+0.5% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$6.3M
-2.5% YoY-3.1% QoQ
|
$-23.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$4.0M
+5.9% YoY+7.6% QoQ
|
$-11.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$5.0M
-4.2% YoY-4.8% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.9%
-30113.4% YoY+458.2% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
5.5%
-8.0% YoY+2.3% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
76.5%
+3.2% YoY-8.7% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.1%
-84.3% YoY-71.8% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
78.9%
+10.6% YoY+13.0% QoQ
|
+18.3% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$8,749
-3.8% YoY-0.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
6.2%
-12.7% YoY-22.4% QoQ
|
-18.2% | 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)