BlastPoint's Credit Union Scorecard
77TH STREET DEPOT
Charter #2505 · IL
77TH STREET DEPOT has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Strong member growth: 5.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 5.7% in tier
- + Net Worth Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Efficiency ratio 4.17% above tier (higher cost structure)
- - Delinquency rate 0.68% above tier average
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - AMR Growth Rate: Bottom 5.1% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.5% in tier
- - Deposit Growth Rate: Bottom 8.3% in tier
- - Asset Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,536
+5.3% YoY+0.6% QoQ
|
+1.9K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$18.3M
-7.1% YoY-1.4% QoQ
|
$-11.9M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$6.0M
+0.4% YoY+12.6% QoQ
|
$-9.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$13.5M
-9.2% YoY-1.7% QoQ
|
$-12.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
-0.1%
+33.9% YoY-319.5% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.3% in tier |
| NIM |
4.5%
+1.1% YoY+1.9% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
86.7%
+5.0% YoY-1.2% QoQ
|
+4.2% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
2.2%
+90.5% YoY-8.5% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
44.9%
+10.5% YoY+14.6% QoQ
|
-15.7% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$4,304
-11.2% YoY+1.7% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.8% in tier |
| CD Concentration |
7.7%
-24.1% YoY+0.9% QoQ
|
-16.7% | 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)