BlastPoint's Credit Union Scorecard
EFFINGHAM HIGHWAY
Charter #81553 · IL
EFFINGHAM HIGHWAY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.15% above tier average
- + Net Interest Margin 1.66% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Efficiency Ratio: Top 5.7% in tier
- + Loan-to-Share Ratio: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,011
-3.8% YoY+0.1% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$5.6M
-1.5% YoY+0.5% QoQ
|
$-24.5M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$4.4M
-2.3% YoY-1.4% QoQ
|
$-11.4M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$4.5M
-4.4% YoY-0.2% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
2.8%
+36.6% YoY+3.1% QoQ
|
+2.2% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.1% in tier |
| NIM |
5.6%
+19.6% YoY+1.7% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
52.2%
-10.5% YoY-1.3% QoQ
|
-30.4% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 5.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
96.6%
+2.3% YoY-1.2% QoQ
|
+36.0% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 5.9% in tier |
| AMR |
$8,782
+0.4% YoY-0.9% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)