BlastPoint's Credit Union Scorecard
MEA
Charter #65896 · IL
<100M
2556 CUs in <100M nationally
138 in IL
MEA has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.10% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Asset Growth Rate: Top 3.1% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + Efficiency Ratio: Top 5.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 2.0% in tier
- - Total Assets: Bottom 4.3% in tier
- - Total Deposits: Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 7.5% in tier
- - Total Loans: Bottom 7.7% in tier
- - Net Worth Ratio: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
122
+2.5% YoY-0.8% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 2.0% in tier |
| Assets |
$759,556
+15.1% YoY+1.4% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.3% in tier |
| Loans |
$536,680
+4.6% YoY-2.3% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.7% in tier |
| Deposits |
$692,564
+14.3% YoY+1.1% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.1% in tier |
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| ROA |
1.7%
+5.0% YoY-0.8% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 11.2% in tier |
| NIM |
2.9%
+1.3% YoY+0.5% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
52.6%
-11.4% YoY+31.7% QoQ
|
-30.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
77.5%
-8.5% YoY-3.4% QoQ
|
+16.9% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$10,076
+7.1% YoY+0.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
29% |
| 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)
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 (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
81
Asset Growth Rate
growth
Value:
15.10%
Peer Median: -
#81 of 2556
Top 3.1% in <100M tier
111
Deposit Growth Rate
growth
Value:
14.31%
Peer Median: -
#111 of 2556
Top 4.3% in <100M tier
153
Efficiency Ratio
profitability
Value:
52.57%
Peer Median: -
#153 of 2556
Top 5.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
286
Return on Assets (ROA)
profitability
Value:
1.72%
Peer Median: -
#286 of 2556
Top 11.2% in <100M tier
328
Member Growth Rate
growth
Value:
2.52%
Peer Median: -
#328 of 2556
Top 12.8% in <100M tier
Top Weaknesses (7 metrics)
2505
Total Members
engagement
Value:
122
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2446
Total Assets
balance_sheet
Value:
$759,556
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2426
Total Deposits
balance_sheet
Value:
$692,564
Peer Median: -
#2426 of 2556
Bottom 5.1% in <100M tier
2365
Members Per Employee (MPE)
engagement
Value:
122.000
Peer Median: -
#2365 of 2556
Bottom 7.5% in <100M tier
2359
Total Loans
balance_sheet
Value:
$536,680
Peer Median: -
#2359 of 2556
Bottom 7.7% in <100M tier
2339
Net Worth Ratio
risk
Value:
8.82%
Peer Median: -
#2339 of 2556
Bottom 8.5% in <100M tier
2138
Net Interest Margin (NIM)
profitability
Value:
2.91%
Peer Median: -
#2138 of 2556
Bottom 16.4% in <100M tier