BlastPoint's Credit Union Scorecard
EARTHMOVER
Charter #97059 · IL
EARTHMOVER has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 0.48% above tier average
- + Net Worth Ratio: Top 3.6% in tier
- + Total Assets: Top 4.0% in tier
- + Total Members: Top 5.9% in tier
- + Total Deposits: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,213
+0.3% YoY-0.4% QoQ
|
+15.8K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 6.0% in tier |
| Assets |
$456.5M
+7.6% YoY+2.1% QoQ
|
+$224.7M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 4.1% in tier |
| Loans |
$259.4M
+3.6% YoY+0.5% QoQ
|
+$112.0M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 12.1% in tier |
| Deposits |
$370.9M
+6.3% YoY+1.7% QoQ
|
+$170.1M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 6.8% in tier |
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| ROA |
1.3%
-7.1% YoY+3.5% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.1%
+2.8% YoY-0.2% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
71.9%
+0.5% YoY-0.2% QoQ
|
-5.1% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.9%
+123.7% YoY+3.4% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
69.9%
-2.5% YoY-1.2% QoQ
|
-2.3% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$20,194
+4.9% YoY+1.6% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
20.7%
+3.3% YoY-4.3% QoQ
|
-3.8% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
0.4%
-7.4% YoY-3.1% QoQ
|
-13.4% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)