BlastPoint's Credit Union Scorecard
TAYLORVILLE SCHOOL EMPLOYEES
Charter #65874 · IL
2596 CUs in <100M nationally
143 in IL
TAYLORVILLE SCHOOL EMPLOYEES has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.95% above tier average
- - Member decline: -4.0% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
- - Total Assets: Bottom 9.4% in tier
- - Total Deposits: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
406
-4.0% YoY0% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 11.4% in tier |
| Assets |
$1.9M
-2.7% YoY-1.6% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.3% in tier |
| Loans |
$1.2M
-3.4% YoY-4.3% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.8% in tier |
| Deposits |
$1.5M
-3.5% YoY-2.5% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.4% in tier |
| ROA |
1.0%
-55.4% YoY+19.9% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.5%
-5.2% YoY+19.7% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
71.7%
+80.0% YoY-0.1% QoQ
|
-9.7% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
4.5%
-48.5% YoY+23.9% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 7.2% in tier |
| Loan To Share |
81.9%
+0.2% YoY-1.8% QoQ
|
+20.7% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$6,670
+0.6% YoY-3.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.9% 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%
-5.8% 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
38
Net Charge-Off Rate
risk
Value:
-0.37%
Peer Avg: 0.57%
#38 of 2596
Top 1.4% in <100M tier
432
Net Worth Ratio
risk
Value:
21.93%
Peer Avg: 16.43%
#432 of 2596
Top 16.6% in <100M tier
519
Loan-to-Share Ratio
balance_sheet
Value:
81.91%
Peer Avg: 61.23%
#519 of 2596
Top 20.0% in <100M tier
Top Weaknesses (12 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2410
Total Delinquency Rate (60+ days)
risk
Value:
4.46%
Peer Avg: 1.51%
#2410 of 2596
Bottom 7.2% in <100M tier
2354
Total Assets
balance_sheet
Value:
$1.91M
Peer Avg: $29.86M
#2354 of 2596
Bottom 9.4% in <100M tier
2352
Total Deposits
balance_sheet
Value:
$1.49M
Peer Avg: $25.45M
#2352 of 2596
Bottom 9.4% in <100M tier
2300
Total Members
engagement
Value:
406
Peer Avg: 2,626
#2300 of 2596
Bottom 11.4% in <100M tier
2264
Total Loans
balance_sheet
Value:
$1.22M
Peer Avg: $15.77M
#2264 of 2596
Bottom 12.8% in <100M tier
2234
Average Member Relationship (AMR)
engagement
Value:
$6,670
Peer Avg: $14,627
#2234 of 2596
Bottom 14.0% in <100M tier
2174
Members Per Employee (MPE)
engagement
Value:
203.000
Peer Avg: 365.701
#2174 of 2596
Bottom 16.3% in <100M tier
1999
Asset Growth Rate
growth
Value:
-2.70%
Peer Avg: 1.82%
#1999 of 2596
Bottom 23.0% in <100M tier
1996
Member Growth Rate
growth
Value:
-4.02%
Peer Avg: 14.92%
#1996 of 2596
Bottom 23.2% in <100M tier