BlastPoint's Credit Union Scorecard
WESTERN SPRINGS
Charter #13481 · IL
WESTERN SPRINGS demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.65% above tier average
- + Efficiency Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
474
+1.9% YoY+1.9% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 12.8% in tier |
| Assets |
$3.9M
+7.2% YoY+0.1% QoQ
|
$-26.3M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$1.5M
-12.0% YoY-2.7% QoQ
|
$-13.8M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.5% in tier |
| Deposits |
$3.2M
+6.6% YoY-0.5% QoQ
|
$-22.6M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
1.8%
-263.5% YoY+101.3% QoQ
|
+1.7% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Top 9.1% in tier |
| NIM |
3.9%
+4.5% YoY+1.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
53.8%
-4.0% YoY+6.0% QoQ
|
-36.9% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
0.5%
+29.5% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
42% |
| Loan To Share |
45.2%
-17.4% YoY-2.2% QoQ
|
-13.3% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$9,831
-1.9% YoY-3.0% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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)