BlastPoint's Credit Union Scorecard
ILLINOIS EDUCATORS
Charter #65305 · IL
ILLINOIS EDUCATORS has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.44% above tier average
- + Strong member growth: 9.7% YoY
- + Loan Growth Rate: Top 1.5% in tier
- + Asset Growth Rate: Top 3.2% in tier
- + Member Growth Rate: Top 4.6% in tier
- + Loan-to-Share Ratio: Top 6.4% in tier
- + Deposit Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.79% below tier average
- - Indirect Auto Concentration (%): Bottom 3.1% in tier
- - Net Charge-Off Rate: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,152
+9.7% YoY-0.2% QoQ
|
-5.0K |
15,145
-2.5% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$121.4M
+14.9% YoY+0.9% QoQ
|
$-110.3M |
$231.7M
+0.8% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.2% in tier |
| Loans |
$95.9M
+27.9% YoY-0.3% QoQ
|
$-48.2M |
$144.1M
+0.2% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$103.3M
+10.7% YoY+2.2% QoQ
|
$-97.8M |
$201.1M
+0.4% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.3% in tier |
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| ROA |
-0.1%
-107.2% YoY-110.3% QoQ
|
-0.8% |
0.7%
+5.1% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.6% in tier |
| NIM |
4.1%
+6.9% YoY+12.3% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
65.6%
-6.6% YoY-5.5% QoQ
|
-12.4% |
78.0%
-1.7% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
0.7%
+60.5% YoY-37.3% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
92.9%
+15.5% YoY-2.5% QoQ
|
+22.4% |
70.4%
-0.4% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Top 6.4% in tier |
| AMR |
$19,629
+7.8% YoY+1.2% QoQ
|
$-5K |
$24,918
+2.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
20.6%
+2.9% YoY+16.7% QoQ
|
-3.7% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % |
53.9%
+11.4% YoY+1.9% QoQ
|
+40.1% | 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 (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)