BlastPoint's Credit Union Scorecard
EMPEOPLE
Charter #68598 · IL
EMPEOPLE has 9 strengths but faces 5 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
- + Organic Growth Leader: Top 8.2% in tier
- + Organic Growth Engine: Top 12.4% in tier
- + Relationship Depth Leader: Top 53.0% in tier
- + Strong member growth: 6.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 1.6% in tier
- + Average Member Relationship (AMR): Top 2.3% in tier
- + Asset Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.0% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 4.98% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.0% in tier
- - First Mortgage Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,135
+6.2% YoY+0.9% QoQ
|
-21.5K |
98,678
-1.9% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$2.2B
+12.8% YoY+2.7% QoQ
|
+$477.6M |
$1.7B
+0.5% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$1.9B
+12.1% YoY+1.5% QoQ
|
+$687.7M |
$1.2B
+0.5% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Top 10.5% in tier |
| Deposits |
$1.9B
+9.4% YoY-0.8% QoQ
|
+$466.1M |
$1.5B
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
0.4%
+59.4% YoY-12.2% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
2.8%
+22.3% YoY+0.6% QoQ
|
-0.4% |
3.3%
+9.3% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
79.0%
-3.4% YoY+0.8% QoQ
|
+5.0% |
74.0%
-10.9% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.7%
-7.4% YoY+4.4% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
100.0%
+2.5% YoY+2.3% QoQ
|
+14.8% |
85.2%
-0.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
85% |
| AMR |
$49,798
+4.3% YoY-0.6% QoQ
|
+$21K |
$29,172
+2.8% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 2.6% in tier |
| CD Concentration |
36.3%
-5.0% YoY+3.2% QoQ
|
+7.3% |
29.0%
+0.7% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
81% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
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)