BlastPoint's Credit Union Scorecard
METROPOLITAN "L"
Charter #2370 · IL
METROPOLITAN "L" has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 4.64% above tier (higher cost structure)
- - Delinquency rate 1.06% above tier average
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Loan-to-Share Ratio: Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,003
-4.1% YoY-1.2% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$9.6M
+3.8% YoY+0.1% QoQ
|
$-20.5M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$1.8M
-11.7% YoY+1.1% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$8.0M
+4.3% YoY+0.3% QoQ
|
$-17.7M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.2%
-26.1% YoY-54.0% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.4%
-9.9% YoY-4.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
87.2%
+11.0% YoY+3.1% QoQ
|
+4.6% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
2.6%
-26.6% YoY-57.8% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
21.9%
-15.3% YoY+0.8% QoQ
|
-38.7% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.4% in tier |
| AMR |
$9,761
+5.3% YoY+1.7% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
14.4%
+7.5% YoY+0.4% QoQ
|
-10.0% | 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)