BlastPoint's Credit Union Scorecard
CBI
Charter #15848 · IL
CBI has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 6.26% above tier (higher cost structure)
- - Member decline: -7.7% YoY
- - First Mortgage Concentration (%): Bottom 8.3% in tier
- - Member Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,154
-7.7% YoY-2.9% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$17.6M
+0.7% YoY+1.1% QoQ
|
$-12.6M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$7.6M
-0.3% YoY+0.3% QoQ
|
$-8.1M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$15.7M
+0.1% YoY+1.4% QoQ
|
$-10.0M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.3%
+136.5% YoY-3.2% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
3.5%
+6.8% YoY+1.5% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
88.8%
-5.2% YoY-1.6% QoQ
|
+6.3% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
1.0%
+33.1% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
48.7%
-0.5% YoY-1.1% QoQ
|
-11.9% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$20,203
+8.3% YoY+4.0% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
4.6%
+16.0% YoY-1.4% QoQ
|
-19.8% | 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)