BlastPoint's Credit Union Scorecard
ILLINOIS EDUCATORS
Charter #65305 · IL
ILLINOIS EDUCATORS has 10 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.5% in tier
- + Emerging Performer: Top 38.4% in tier
- + Wallet Share Momentum: Top 56.2% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.05% above tier average
- + Strong member growth: 8.3% YoY
- + Loan Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 2.2% in tier
- + Loan-to-Share Ratio: Top 3.4% in tier
- + Member Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.9% in tier
- - Indirect Auto Dependency: Bottom 1.1% in tier
- - Liquidity Strain: Bottom 1.7% in tier
- - Credit Quality Pressure: Bottom 7.1% in tier
- - Delinquency rate 0.16% above tier average
- - Indirect Auto Concentration (%): Bottom 2.9% in tier
- - Total Deposits: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,016
+8.3% YoY+4.9% QoQ
|
-5.6K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$121.9M
+20.5% YoY+8.6% QoQ
|
$-109.4M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.2% in tier |
| Loans |
$94.7M
+25.9% YoY+9.0% QoQ
|
$-53.1M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$95.9M
+7.6% YoY+3.6% QoQ
|
$-104.4M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.2% in tier |
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| ROA |
0.8%
+54.6% YoY-9.3% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
3.6%
+2.5% YoY-3.0% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
68.8%
-11.2% YoY-1.6% QoQ
|
-8.5% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
1.0%
+70.5% YoY+106.7% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
98.8%
+17.0% YoY+5.2% QoQ
|
+26.1% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 3.5% in tier |
| AMR |
$19,032
+7.1% YoY+1.2% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
21.0%
-3.4% YoY-1.8% QoQ
|
-3.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
53.8%
+16.5% YoY-0.4% QoQ
|
+39.9% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)