BlastPoint's Credit Union Scorecard
ALTONIZED COMMUNITY
Charter #3316 · IL
ALTONIZED COMMUNITY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 5.22% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Net Worth Ratio: 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 |
5,588
-2.3% YoY-0.3% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 10.9% in tier |
| Assets |
$51.4M
+4.5% YoY+2.2% QoQ
|
+$21.2M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$22.2M
-0.1% YoY-1.5% QoQ
|
+$6.4M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$47.4M
+3.3% YoY+2.1% QoQ
|
+$21.7M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.5%
+27.1% YoY+10.7% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
3.3%
+2.9% YoY+1.5% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
87.8%
+6.6% YoY-0.2% QoQ
|
+5.2% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.5%
-58.5% YoY-14.8% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
46.8%
-3.3% YoY-3.5% QoQ
|
-13.8% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$12,457
+4.7% YoY+1.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
10.2%
+13.4% YoY+10.5% QoQ
|
-14.2% | 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)