BlastPoint's Credit Union Scorecard
TAYLORVILLE SCHOOL EMPLOYEES
Charter #65874 · IL
TAYLORVILLE SCHOOL EMPLOYEES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Delinquency rate 3.84% above tier average
- - Member decline: -4.1% YoY
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.6% in tier
- - Total Assets: Bottom 9.0% in tier
- - Total Deposits: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
402
-4.1% YoY-1.0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 11.0% in tier |
| Assets |
$1.9M
+2.6% YoY-1.3% QoQ
|
$-28.3M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.0% in tier |
| Loans |
$1.2M
-1.9% YoY-1.4% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.6% in tier |
| Deposits |
$1.5M
+2.7% YoY-1.3% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.1% in tier |
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| ROA |
0.4%
-84.4% YoY-57.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.4%
-17.7% YoY-0.2% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
72.6%
+100.6% YoY+1.4% QoQ
|
-9.9% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
5.4%
+4.4% YoY+20.8% QoQ
|
+3.8 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 5.6% in tier |
| Loan To Share |
81.8%
-4.5% YoY-0.2% QoQ
|
+21.2% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$6,647
+4.8% YoY-0.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.7% in tier |
| CD Concentration | 0.0% | -24.4% | 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)