BlastPoint's Credit Union Scorecard
AMBRAW
Charter #567 · IL
AMBRAW has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% 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
- - Efficiency ratio 1.78% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Loan Growth Rate: Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 4.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,997
-3.3% YoY-0.4% QoQ
|
-618 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$17.0M
+4.5% YoY+4.0% QoQ
|
$-13.2M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$2.8M
-25.2% YoY-8.0% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$15.3M
+4.2% YoY+4.3% QoQ
|
$-10.4M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.7%
+16.6% YoY-7.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.5%
+3.2% YoY+3.9% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
84.3%
-2.2% YoY+2.1% QoQ
|
+1.8% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.5%
+209.7% YoY+22.8% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
18.5%
-28.2% YoY-11.8% QoQ
|
-42.1% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.0% in tier |
| AMR |
$9,079
+1.6% YoY+2.6% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
7.6%
-39.8% YoY-11.6% QoQ
|
-16.9% | 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)