BlastPoint's Credit Union Scorecard
EMPEOPLE
Charter #68598 · IL
EMPEOPLE has 7 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 13.4% in tier
- + Wallet Share Momentum: Top 13.4% in tier
- + ROA 0.08% above tier average
- + Fee Income Per Member: Top 0.3% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Total Loans: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.2% in tier
- - Membership Headwinds: Bottom 90.0% in tier
- - Stagnation Risk: Bottom 90.0% in tier
- - Efficiency ratio 1.19% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Net Worth Ratio: Bottom 4.9% in tier
- - First Mortgage Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,975
-3.4% YoY-3.6% QoQ
|
-22.1K |
96,048
-2.7% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$2.3B
+4.5% YoY-0.0% QoQ
|
+$559.6M |
$1.7B
+0.4% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$1.9B
+4.4% YoY-0.0% QoQ
|
+$718.2M |
$1.2B
+0.2% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Top 9.8% in tier |
| Deposits |
$2.1B
+4.4% YoY+0.2% QoQ
|
+$606.4M |
$1.5B
+0.5% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
83% |
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| ROA |
0.8%
+63.2% YoY+62.9% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
2.9%
+7.3% YoY+4.8% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
75.8%
-2.7% YoY-3.3% QoQ
|
+1.2% |
74.6%
-3.0% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
0.5%
-1.8% YoY-13.0% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
93.2%
-0.0% YoY-0.2% QoQ
|
+10.1% |
83.2%
-0.4% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$54,125
+8.1% YoY+3.8% QoQ
|
+$24K |
$29,652
+2.3% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Top 1.6% in tier |
| CD Concentration |
36.1%
+8.1% YoY+4.6% QoQ
|
+7.3% | 28.8% | 14.0% | 19.8% | 81% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 7.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)