BlastPoint's Credit Union Scorecard

DECATUR EARTHMOVER

Charter #68597 · IL

100M-500M

1024 CUs in 100M-500M nationally 24 in IL

DECATUR EARTHMOVER has 1 strength 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 0.54% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.63% below tier average
- Efficiency ratio 15.29% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Illinois.
Shares and deposits +2.2% year over year ($272M in shares and deposits).
Membership: 20,450 members, -2.5% vs a year ago.
Delinquency rate 0.59%.
Return on assets 0.23%.
Efficiency ratio 92.03% vs a 76.73% peer average.
Loan-to-share ratio 57.49% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	20,450 -2.5% YoY-0.7% QoQ	+5.3K	15,168 -2.6% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	78%
Assets	$310.3M +2.9% YoY-1.3% QoQ	+$78.2M	$232.0M +0.7% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	75%
Loans	$156.4M -2.7% YoY-0.9% QoQ	+$10.1M	$146.3M +0.2% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	63%
Deposits	$272.0M +2.2% YoY-2.1% QoQ	+$71.3M	$200.7M +0.2% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	76%

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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	0.2% -44.6% YoY	-0.6%	0.9% +12.5% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	Bottom 10.1% in tier
NIM	4.2% +0.2% YoY+3.0% QoQ	+0.5%	3.7% +4.5% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	81%
Efficiency Ratio	92.0% +2.9% YoY-4.8% QoQ	+15.3%	76.7% -0.8% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	Bottom 7.9% in tier
Delinquency Rate	0.6% +61.9% YoY+29.7% QoQ	-0.3	0.9% +6.6% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	43%
Loan To Share	57.5% -4.8% YoY+1.2% QoQ	-14.1%	71.5% -0.3% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	22%
AMR	$20,947 +3.0% YoY-0.9% QoQ	$-4K	$25,107 +3.2% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	37%
CD Concentration	11.3% +18.9% YoY+13.7% QoQ	-13.2%	24.6%	14.0%	20.0%	50%
Indirect Auto %	28.1% -8.3% YoY-0.9% QoQ	+14.5%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#97 of 531 • 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: 92.03%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -2.50%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Stagnation Risk

risk

#221 of 549 • 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): -2.50%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.66%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.59%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#213 of 476 • 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): 2.86%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 28.08%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -2.50%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Credit Quality Pressure

risk

#314 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Membership Headwinds

decline

#278 of 549 • 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): -2.50%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#131 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $310.26M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -2.50%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.66%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | 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 1024 peers in tier

Top Strengths (5 metrics)

132

Share Certificate Concentration (%)

balance_sheet

Value: 11.33%

Peer Median: 23.39%

#132 of 1024 Top 12.8% in 100M-500M tier

191

Net Interest Margin (NIM)

profitability

Value: 4.22%

Peer Median: 3.67%

#191 of 1024 Top 18.6% in 100M-500M tier

218

Fee Income Per Member

profitability

Value: $218.19

Peer Median: $159.88

#218 of 1024 Top 21.2% in 100M-500M tier

225

Total Members

engagement

Value: 20,450

Peer Median: 13,128

#225 of 1024 Top 21.9% in 100M-500M tier

248

Total Deposits

balance_sheet

Value: $272.01M

Peer Median: $170.77M

#248 of 1024 Top 24.1% in 100M-500M tier

Top Weaknesses (7 metrics)

968

Members Per Employee (MPE)

engagement

Value: 206.566

Peer Median: 310.924

#968 of 1024 Bottom 5.6% in 100M-500M tier

944

Efficiency Ratio

profitability

Value: 92.03%

Peer Median: 77.26%

#944 of 1024 Bottom 7.9% in 100M-500M tier

921

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: 0.75%

#921 of 1024 Bottom 10.2% in 100M-500M tier

848

Indirect Auto Concentration (%)

balance_sheet

Value: 28.08%

Peer Median: 6.15%

#848 of 1024 Bottom 17.3% in 100M-500M tier

833

Loan Growth Rate

growth

Value: -2.66%

Peer Median: 3.02%

#833 of 1024 Bottom 18.8% in 100M-500M tier

800

Member Growth Rate

growth

Value: -2.50%

Peer Median: -0.03%

#800 of 1024 Bottom 22.0% in 100M-500M tier

798

Loan-to-Share Ratio

balance_sheet

Value: 57.49%

Peer Median: 73.07%

#798 of 1024 Bottom 22.2% in 100M-500M tier