BlastPoint's Credit Union Scorecard
ST. JUDE
Charter #65484 · IL
2596 CUs in <100M nationally
143 in IL
ST. JUDE has 11 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 12.18% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.5% in tier
- + Fee Income Per Member: Top 1.0% in tier
- + Net Worth Ratio: Top 2.8% in tier
- + AMR Growth Rate: Top 4.3% in tier
- + Asset Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -17.2% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 0.9% in tier
- - Total Loans: Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 1.3% in tier
- - Total Deposits: Bottom 1.4% in tier
- - Total Assets: Bottom 1.7% in tier
- - Member Growth Rate: Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 3.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
82
-17.2% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 0.9% in tier |
| Assets |
$283,306
+11.8% YoY-2.6% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.7% in tier |
| Loans |
$6,908
-44.8% YoY-12.1% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.9% in tier |
| Deposits |
$175,721
-1.7% YoY-4.2% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
12.9%
+953.7% YoY-35.7% QoQ
|
+12.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 0.2% in tier |
| NIM |
3.0%
-14.5% YoY-0.8% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
15.7%
-75.8% YoY+52.6% QoQ
|
-65.7% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
3.9%
-43.9% YoY-8.2% QoQ
|
-57.3% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.8% in tier |
| AMR |
$2,227
+15.3% YoY-4.5% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Net Charge-Off Rate
risk
Value:
-24.18%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
4
Return on Assets (ROA)
profitability
Value:
12.86%
Peer Avg: -
#4 of 2596
Top 0.1% in <100M tier
13
Efficiency Ratio
profitability
Value:
15.71%
Peer Avg: -
#13 of 2596
Top 0.5% in <100M tier
27
Fee Income Per Member
profitability
Value:
$429.85
Peer Avg: -
#27 of 2596
Top 1.0% in <100M tier
73
Net Worth Ratio
risk
Value:
37.97%
Peer Avg: -
#73 of 2596
Top 2.8% in <100M tier
113
AMR Growth Rate
growth
Value:
15.28%
Peer Avg: -
#113 of 2596
Top 4.3% in <100M tier
Top Weaknesses (11 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2573
Total Members
engagement
Value:
82
Peer Avg: -
#2573 of 2596
Bottom 0.9% in <100M tier
2573
Total Loans
balance_sheet
Value:
$6,908
Peer Avg: -
#2573 of 2596
Bottom 0.9% in <100M tier
2570
Loan-to-Share Ratio
balance_sheet
Value:
3.93%
Peer Avg: -
#2570 of 2596
Bottom 1.0% in <100M tier
2565
Loan-to-Member Ratio (LMR)
engagement
Value:
$84.24
Peer Avg: -
#2565 of 2596
Bottom 1.2% in <100M tier
2562
Loan Growth Rate
growth
Value:
-44.83%
Peer Avg: -
#2562 of 2596
Bottom 1.3% in <100M tier
2560
Total Deposits
balance_sheet
Value:
$175,721
Peer Avg: -
#2560 of 2596
Bottom 1.4% in <100M tier
2553
Total Assets
balance_sheet
Value:
$283,306
Peer Avg: -
#2553 of 2596
Bottom 1.7% in <100M tier
2538
Member Growth Rate
growth
Value:
-17.17%
Peer Avg: -
#2538 of 2596
Bottom 2.3% in <100M tier
2514
Average Member Relationship (AMR)
engagement
Value:
$2,227
Peer Avg: -
#2514 of 2596
Bottom 3.2% in <100M tier