BlastPoint's Credit Union Scorecard
C T A F C
Charter #18882 · IL
<100M
2556 CUs in <100M nationally
138 in IL
C T A F C has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.29% below tier average
- - Efficiency ratio 59.05% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 0.5% in tier
- - Average Member Relationship (AMR): Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Total Loans: Bottom 4.3% in tier
- - Total Assets: Bottom 4.3% in tier
- - Total Deposits: Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
680
0% YoY0% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$758,666
+0.3% YoY-0.1% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.3% in tier |
| Loans |
$204,109
-3.7% YoY-12.3% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.2% in tier |
| Deposits |
$619,552
-3.9% YoY-0.2% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.6% in tier |
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| ROA |
-1.7%
-133.3% YoY-13.5% QoQ
|
-2.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.7% in tier |
| NIM |
4.5%
-14.5% YoY-1.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
141.6%
+198.1% YoY-5.9% QoQ
|
+59.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
32.9%
+0.2% YoY-12.1% QoQ
|
-27.7% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.5% in tier |
| AMR |
$1,211
-3.9% YoY-3.5% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
132
Members Per Employee (MPE)
engagement
Value:
680.000
Peer Median: -
#132 of 2556
Top 5.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (12 metrics)
2545
Fee Income Per Member
profitability
Value:
$-5.51
Peer Median: -
#2545 of 2556
Bottom 0.5% in <100M tier
2519
Average Member Relationship (AMR)
engagement
Value:
$1,211
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2501
Efficiency Ratio
profitability
Value:
141.61%
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2501
Loan-to-Member Ratio (LMR)
engagement
Value:
$300.16
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2461
Return on Assets (ROA)
profitability
Value:
-1.66%
Peer Median: -
#2461 of 2556
Bottom 3.8% in <100M tier
2448
Total Loans
balance_sheet
Value:
$204,109
Peer Median: -
#2448 of 2556
Bottom 4.3% in <100M tier
2447
Total Assets
balance_sheet
Value:
$758,666
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2439
Total Deposits
balance_sheet
Value:
$619,552
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2234
Loan-to-Share Ratio
balance_sheet
Value:
32.94%
Peer Median: -
#2234 of 2556
Bottom 12.6% in <100M tier
2079
Total Members
engagement
Value:
680
Peer Median: -
#2079 of 2556
Bottom 18.7% in <100M tier