BlastPoint's Credit Union Scorecard
NORTHERN ILLINOIS
Charter #19708 · IL
NORTHERN ILLINOIS demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.34% above tier average
- + Net Interest Margin 1.70% above tier average
- + Loan-to-Share Ratio: Top 1.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,187
+0.5% YoY+0.4% QoQ
|
-489 |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$18.3M
+4.5% YoY-1.1% QoQ
|
$-11.9M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$16.7M
+10.0% YoY+0.9% QoQ
|
+$1.4M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$15.6M
+2.6% YoY+2.2% QoQ
|
$-10.2M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
1.5%
-32.3% YoY-1.8% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
5.7%
-0.3% YoY+2.8% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
73.3%
+19.8% YoY+11.3% QoQ
|
-17.4% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
0.3%
-68.9% YoY-78.0% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
106.8%
+7.3% YoY-1.3% QoQ
|
+48.3% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Top 1.9% in tier |
| AMR |
$14,749
+5.7% YoY+1.1% QoQ
|
$-135 |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
2.1%
+16.7% YoY-9.4% QoQ
|
-22.2% | 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)