BlastPoint's Credit Union Scorecard
CBI
Charter #15848 · IL
CBI has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Charge-Off Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.64% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - First Mortgage Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,157
-5.2% YoY+0.3% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$17.9M
-0.1% YoY+1.7% QoQ
|
$-12.3M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$7.5M
+2.6% YoY-1.4% QoQ
|
$-7.8M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$16.0M
-0.3% YoY+1.8% QoQ
|
$-9.8M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
0.2%
-36.5% YoY-38.2% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
3.4%
+4.5% YoY-1.3% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
93.3%
+3.1% YoY+5.0% QoQ
|
+2.6% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
0.9%
+5.3% YoY-8.0% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
47.1%
+2.9% YoY-3.2% QoQ
|
-11.4% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$20,308
+6.1% YoY+0.5% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
79% |
| CD Concentration |
4.5%
+15.9% YoY-2.1% QoQ
|
-19.8% | 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)