BlastPoint's Credit Union Scorecard
CTA SOUTH
Charter #13533 · IL
2596 CUs in <100M nationally
143 in IL
CTA SOUTH has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 19.10% above tier (higher cost structure)
- - Delinquency rate 1.52% above tier average
- - Net Charge-Off Rate: Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 4.0% in tier
- - AMR Growth Rate: Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Total Deposits: Bottom 6.4% in tier
- - Total Assets: Bottom 6.6% in tier
- - Total Loans: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
612
+3.2% YoY-2.2% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$1.2M
-1.3% YoY+0.1% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.5% in tier |
| Loans |
$471,385
-25.0% YoY-14.4% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.2% in tier |
| Deposits |
$867,233
-1.4% YoY+0.9% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.4% in tier |
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| ROA |
-0.2%
-109.5% YoY+192.1% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.8% in tier |
| NIM |
6.6%
-8.5% YoY-0.8% QoQ
|
+2.7% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
100.5%
+30.3% YoY+2.3% QoQ
|
+19.1% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 10.6% in tier |
| Delinquency Rate |
3.0%
+489.5% YoY-42.5% QoQ
|
+1.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 11.7% in tier |
| Loan To Share |
54.4%
-23.9% YoY-15.2% QoQ
|
-6.9% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$2,187
-14.0% YoY-2.9% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
59
Net Interest Margin (NIM)
profitability
Value:
6.61%
Peer Avg: -
#59 of 2596
Top 2.2% in <100M tier
295
Net Worth Ratio
risk
Value:
24.69%
Peer Avg: -
#295 of 2596
Top 11.3% in <100M tier
299
Member Growth Rate
growth
Value:
3.20%
Peer Avg: -
#299 of 2596
Top 11.5% in <100M tier
Top Weaknesses (12 metrics)
2560
Net Charge-Off Rate
risk
Value:
5.24%
Peer Avg: -
#2560 of 2596
Bottom 1.4% in <100M tier
2516
Average Member Relationship (AMR)
engagement
Value:
$2,187
Peer Avg: -
#2516 of 2596
Bottom 3.1% in <100M tier
2493
Loan Growth Rate
growth
Value:
-24.97%
Peer Avg: -
#2493 of 2596
Bottom 4.0% in <100M tier
2483
AMR Growth Rate
growth
Value:
-13.99%
Peer Avg: -
#2483 of 2596
Bottom 4.4% in <100M tier
2468
Loan-to-Member Ratio (LMR)
engagement
Value:
$770.24
Peer Avg: -
#2468 of 2596
Bottom 5.0% in <100M tier
2430
Total Deposits
balance_sheet
Value:
$867,233
Peer Avg: -
#2430 of 2596
Bottom 6.4% in <100M tier
2426
Total Assets
balance_sheet
Value:
$1.16M
Peer Avg: -
#2426 of 2596
Bottom 6.6% in <100M tier
2408
Total Loans
balance_sheet
Value:
$471,385
Peer Avg: -
#2408 of 2596
Bottom 7.3% in <100M tier
2321
Efficiency Ratio
profitability
Value:
100.49%
Peer Avg: -
#2321 of 2596
Bottom 10.6% in <100M tier
2292
Total Delinquency Rate (60+ days)
risk
Value:
3.03%
Peer Avg: -
#2292 of 2596
Bottom 11.7% in <100M tier