BlastPoint's Credit Union Scorecard

DECATUR EARTHMOVER

Charter #68597 · IL

100M-500M

1069 CUs in 100M-500M nationally 30 in IL

DECATUR EARTHMOVER has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.80% above tier average
+ Share Certificate Concentration (%): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.47% below tier average
- Efficiency ratio 13.46% above tier (higher cost structure)
- Member decline: -2.1% YoY
- Members Per Employee (MPE): Bottom 3.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	20,696 -2.1% YoY-0.8% QoQ	+5.3K	15,437 -2.9% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	78%
Assets	$301.6M +2.6% YoY+1.2% QoQ	+$69.7M	$231.9M +1.3% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	73%
Loans	$160.4M +1.1% YoY-1.4% QoQ	+$13.1M	$147.3M -0.1% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	64%
Deposits	$264.3M +1.2% YoY+1.0% QoQ	+$63.5M	$200.8M +0.8% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -24.5% YoY-28.1% QoQ	-0.5%	0.8% +18.2% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	17%
NIM	4.4% +6.1% YoY+1.7% QoQ	+0.8%	3.6% +6.7% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	Top 12.0% in tier
Efficiency Ratio	90.5% +3.4% YoY+1.1% QoQ	+13.5%	77.0% -3.1% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	Bottom 9.0% in tier
Delinquency Rate	0.4% -23.8% YoY-3.5% QoQ	-0.5	0.9% +4.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	24%
Loan To Share	60.7% -0.1% YoY-2.4% QoQ	-11.5%	72.2% -1.1% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	25%
AMR	$20,523 +3.3% YoY+1.0% QoQ	$-4K	$24,676 +3.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	37%
CD Concentration	8.8% +0.6% YoY-14.9% QoQ	-15.7%	24.4%	14.1%	19.8%	50%
Indirect Auto %	29.4% -6.7% YoY-1.9% QoQ	+15.6%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#59 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.48%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.09% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#261 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.64%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 29.39%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Membership Headwinds

decline

#337 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#414 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.08%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.10%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.41%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 8.77%

Peer Median: -

#92 of 1069 Top 8.5% in 100M-500M tier

128

Net Interest Margin (NIM)

profitability

Value: 4.40%

Peer Median: -

#128 of 1069 Top 11.9% in 100M-500M tier

240

Total Members

engagement

Value: 20,696

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

256

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1032

Members Per Employee (MPE)

engagement

Value: 197.105

Peer Median: -

#1032 of 1069 Bottom 3.6% in 100M-500M tier

974

Efficiency Ratio

profitability

Value: 90.48%

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

897

Indirect Auto Concentration (%)

balance_sheet

Value: 29.39%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

883

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

813

Deposit Growth Rate

growth

Value: 1.21%

Peer Median: -

#813 of 1069 Bottom 24.0% in 100M-500M tier

805

Loan-to-Share Ratio

balance_sheet

Value: 60.69%

Peer Median: -

#805 of 1069 Bottom 24.8% in 100M-500M tier