BlastPoint's Credit Union Scorecard

EMPEOPLE

Charter #68598 · IL

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 8 in IL

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EMPEOPLE has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 15.3% in tier
+ Wallet Share Momentum: Top 15.3% in tier
+ 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 8.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 24.5% in tier
- Membership Headwinds: Bottom 89.8% in tier
- Stagnation Risk: Bottom 89.8% in tier
- ROA 0.08% below tier average
- Efficiency ratio 3.10% above tier (higher cost structure)
- Member decline: -2.9% YoY
- Net Worth Ratio: Bottom 4.7% in tier
- First Mortgage Concentration (%): Bottom 8.7% in tier

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Illinois.
Shares and deposits +5.7% year over year ($2.05B in shares and deposits).
Membership: 74,228 members, -2.9% vs a year ago.
Delinquency rate 0.59%.
Return on assets 0.74%.
Efficiency ratio 76.12% vs a 73.02% peer average.
Loan-to-share ratio 96.06% vs a 84.71% 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	74,228 -2.9% YoY+0.3% QoQ	-22.6K	96,861 -1.9% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	33%
Assets	$2.3B +5.8% YoY-0.7% QoQ	+$538.2M	$1.7B +0.4% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	78%
Loans	$2.0B +3.9% YoY+1.8% QoQ	+$731.7M	$1.2B +0.7% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	Top 9.0% in tier
Deposits	$2.0B +5.7% YoY-1.2% QoQ	+$583.3M	$1.5B +0.5% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	82%

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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	0.7% +50.1% YoY-8.0% QoQ	-0.1%	0.8% +27.6% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	46%
NIM	2.9% +4.8% YoY+0.7% QoQ	-0.5%	3.4% +6.6% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	17%
Efficiency Ratio	76.1% -2.8% YoY+0.4% QoQ	+3.1%	73.0% -2.7% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	62%
Delinquency Rate	0.6% -9.7% YoY+26.8% QoQ	-0.3	0.9% +7.3% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	38%
Loan To Share	96.1% -1.7% YoY+3.0% QoQ	+11.3%	84.7% +0.1% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	79%
AMR	$54,057 +7.9% YoY-0.1% QoQ	+$24K	$29,575 +1.5% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	Top 1.7% in tier
CD Concentration	36.8% +4.7% YoY+1.9% QoQ	+7.7%	29.1%	14.0%	20.0%	82%
Indirect Auto %	0.0%	-18.1%	18.1%	6.8%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#21 of 69 • Top 15.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.92%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#57 of 125 • Top 15.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.92%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank improving

Concerns (3)

Membership Headwinds

decline

#39 of 86 • Bottom 89.8% in tier

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

Why This Signature

Member Growth (YoY): -2.90%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Stagnation Risk

risk

#47 of 86 • Bottom 89.8% 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): -2.90%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 3.86%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.59%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Liquidity Strain

risk

#105 of 168 • Bottom 24.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.06%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 3.86%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Fee Income Per Member

profitability

Value: $503.34

Peer Median: $204.73

#2 of 300 Top 0.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $26,485

Peer Median: $12,809

#3 of 300 Top 0.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $54,057

Peer Median: $28,089

#5 of 300 Top 1.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.97B

Peer Median: $1.14B

#27 of 300 Top 8.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.92%

Peer Median: 3.19%

#49 of 300 Top 16.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.05B

Peer Median: $1.30B

#54 of 300 Top 17.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.06%

Peer Median: 87.07%

#63 of 300 Top 20.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.26B

Peer Median: $1.51B

#66 of 300 Top 21.7% in 1B-3B tier

Top Weaknesses (6 metrics)

287

Net Worth Ratio

risk

Value: 8.31%

Peer Median: 10.91%

#287 of 300 Bottom 4.7% in 1B-3B tier

275

First Mortgage Concentration (%)

balance_sheet

Value: 55.13%

Peer Median: 33.59%

#275 of 300 Bottom 8.7% in 1B-3B tier

267

Member Growth Rate

growth

Value: -2.90%

Peer Median: 1.84%

#267 of 300 Bottom 11.3% in 1B-3B tier

266

Members Per Employee (MPE)

engagement

Value: 267.007

Peer Median: 346.173

#266 of 300 Bottom 11.7% in 1B-3B tier

258

Share Certificate Concentration (%)

balance_sheet

Value: 36.82%

Peer Median: 28.24%

#258 of 300 Bottom 14.3% in 1B-3B tier

250

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.46%

#250 of 300 Bottom 17.0% in 1B-3B tier