BlastPoint's Credit Union Scorecard
C T A F C
Charter #18882 · IL
C T A F C has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 81.08% above tier (higher cost structure)
- - Member decline: -55.7% YoY
- - Member Growth Rate: Bottom 0.2% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
- - Average Member Relationship (AMR): Bottom 3.7% in tier
- - Total Loans: Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Total Assets: Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits -1.4% year over year ($628K in shares and deposits).
- Membership: 301 members, -55.7% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 2.80%.
- Efficiency ratio 169.84% vs a 88.77% peer average.
- Loan-to-share ratio 26.19% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
301
-55.7% YoY-55.7% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 8.0% in tier |
| Assets |
$756,462
-2.4% YoY+0.1% QoQ
|
$-29.5M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.0% in tier |
| Loans |
$164,568
-35.6% YoY-5.8% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.7% in tier |
| Deposits |
$628,382
-1.4% YoY+0.8% QoQ
|
$-25.2M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.4% in tier |
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| ROA |
2.8%
-187.7% YoY-213.8% QoQ
|
+1.3% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 4.6% in tier |
| NIM |
3.7%
-12.3% YoY-19.7% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
169.8%
-14.2% YoY+13.5% QoQ
|
+81.1% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
26.2%
-34.7% YoY-6.6% QoQ
|
-32.7% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.0% in tier |
| AMR |
$2,634
+100.7% YoY+124.5% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.6% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)