BlastPoint's Credit Union Scorecard

STALEY

Charter #81416 · IL

1077 CUs in 100M-500M nationally 31 in IL

STALEY has 9 strengths but faces 6 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

+ Credit Quality Leader: Top 22.7% in tier
+ Wallet Share Momentum: Top 26.9% in tier
+ Profitability Leader: Top 64.9% in tier
+ ROA 0.52% above tier average
+ Net Interest Margin 0.19% above tier average
+ Total Delinquency Rate (60+ days): Top 6.4% in tier
+ Loan Growth Rate: Top 8.3% in tier
+ Fee Income Per Member: Top 9.5% in tier
+ AMR Growth Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 6.4% in tier
- Indirect Auto Dependency: Bottom 11.2% in tier
- Credit Risk Growth: Bottom 11.2% in tier
- Membership Headwinds: Bottom 16.4% in tier
- Credit Quality Pressure: Bottom 23.1% in tier
- Member decline: -2.5% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	17,553 -2.5% YoY-0.5% QoQ	+1.9K	15,628 -3.4% YoY	21,352 +8.3% YoY	33,089 +6.1% YoY	66%
Assets	$219.6M +5.2% YoY+2.3% QoQ	$-11.7M	$231.3M -0.0% YoY	$379.6M +9.6% YoY	$547.7M +7.8% YoY	56%
Loans	$167.3M +13.8% YoY+1.0% QoQ	+$19.5M	$147.8M -1.4% YoY	$267.7M +12.9% YoY	$388.7M +8.6% YoY	66%
Deposits	$194.0M +1.9% YoY+0.1% QoQ	$-6.3M	$200.3M -0.0% YoY	$314.3M +10.4% YoY	$464.6M +9.3% YoY	58%

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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	1.3% +18.7% YoY+4.6% QoQ	+0.5%	0.8% +15.5% YoY	0.8% -108.9% YoY	0.7% +273.4% YoY	83%
NIM	3.8% +8.6% YoY-0.2% QoQ	+0.2%	3.6% +6.9% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	61%
Efficiency Ratio	74.3% -4.2% YoY-1.4% QoQ	-3.0%	77.3% -3.0% YoY	90.4% +10.2% YoY	79.1% -3.3% YoY	39%
Delinquency Rate	0.1% +88.2% YoY+87.5% QoQ	-0.7	0.9% +7.6% YoY	1.5% -12.1% YoY	1.2% -0.9% YoY	Bottom 6.4% in tier
Loan To Share	86.2% +11.7% YoY+0.9% QoQ	+13.5%	72.7% -1.5% YoY	62.3% -1.7% YoY	68.0% -1.7% YoY	77%
AMR	$20,581 +9.9% YoY+1.0% QoQ	$-4K	$24,363 +2.9% YoY	$15,032 +2.8% YoY	$19,418 +1.3% YoY	40%
CD Concentration	20.4% +19.2% YoY+32.9% QoQ	-4.0%	24.4% +4.2% YoY	13.7% +4.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	24.9% -8.6% YoY-0.9% QoQ	+10.9%	14.0% -5.7% YoY	7.2% +3.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Credit Quality Leader

growth

#78 of 340 • Top 22.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.12%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#130 of 481 • Top 26.9% in tier

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

Why This Signature

AMR Growth (YoY): 9.91%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Profitability Leader

growth

#221 of 340 • Top 64.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.31%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.21% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (5)

Stagnation Risk

risk

#106 of 550 • Bottom 6.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 13.85%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.12%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#181 of 525 • Bottom 11.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.17%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 24.86%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Risk Growth

risk

#169 of 446 • Bottom 11.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 13.85%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Membership Headwinds

decline

#271 of 550 • Bottom 16.4% in tier

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

Why This Signature

Member Growth (YoY): -2.55%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#572 of 736 • Bottom 23.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Avg: -

#70 of 1077 Top 6.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.85%

Peer Avg: -

#90 of 1077 Top 8.3% in 100M-500M tier

103

Fee Income Per Member

profitability

Value: $268.12

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

104

AMR Growth Rate

growth

Value: 9.91%

Peer Avg: -

#104 of 1077 Top 9.6% in 100M-500M tier

185

Return on Assets (ROA)

profitability

Value: 1.31%

Peer Avg: -

#185 of 1077 Top 17.1% in 100M-500M tier

243

Loan-to-Share Ratio

balance_sheet

Value: 86.25%

Peer Avg: -

#243 of 1077 Top 22.5% in 100M-500M tier

Top Weaknesses (2 metrics)

849

Indirect Auto Concentration (%)

balance_sheet

Value: 24.86%

Peer Avg: -

#849 of 1077 Bottom 21.3% in 100M-500M tier

848

Member Growth Rate

growth

Value: -2.55%

Peer Avg: -

#848 of 1077 Bottom 21.4% in 100M-500M tier