BlastPoint's Credit Union Scorecard
EMPEOPLE
Charter #68598 · IL
EMPEOPLE has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 75.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.3% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + Average Member Relationship (AMR): Top 2.0% in tier
- + Total Loans: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 83.0% in tier
- - Stagnation Risk: Bottom 91.7% in tier
- - Membership Headwinds: Bottom 94.0% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 4.37% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 4.3% in tier
- - First Mortgage Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
76,715
-0.8% YoY-0.5% QoQ
|
-20.7K |
97,431
-2.4% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$2.3B
+1.5% YoY+3.8% QoQ
|
+$556.5M |
$1.7B
+0.9% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$1.9B
+4.1% YoY+0.6% QoQ
|
+$698.0M |
$1.2B
+0.5% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 10.3% in tier |
| Deposits |
$2.1B
+1.1% YoY+7.7% QoQ
|
+$609.5M |
$1.5B
+0.9% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.5%
+100.1% YoY+14.1% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
2.8%
+25.6% YoY-1.3% QoQ
|
-0.5% |
3.3%
+9.2% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
78.4%
-3.1% YoY-0.7% QoQ
|
+4.4% |
74.1%
-9.5% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.5%
-11.9% YoY-21.5% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
93.4%
+3.0% YoY-6.6% QoQ
|
+8.6% |
84.8%
-0.8% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$52,156
+3.3% YoY+4.7% QoQ
|
+$23K |
$29,428
+2.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 2.3% in tier |
| CD Concentration |
34.6%
+0.0% YoY-4.7% QoQ
|
+5.5% | 29.0% | 14.1% | 19.8% | 75% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)