BlastPoint's Credit Union Scorecard
METRO
Charter #21326 · IL
METRO demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 2.9% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Total Loans: Top 9.4% in tier
- + Total Deposits: Top 9.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,267
+0.2% YoY-0.2% QoQ
|
+641 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$72.0M
+2.9% YoY-1.5% QoQ
|
+$42.1M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Top 11.5% in tier |
| Loans |
$41.7M
+9.4% YoY+1.1% QoQ
|
+$25.9M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Top 9.4% in tier |
| Deposits |
$63.7M
+1.8% YoY-2.2% QoQ
|
+$38.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Top 9.9% in tier |
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| ROA |
1.1%
+11.6% YoY+5.7% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.8%
+3.8% YoY+3.4% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
71.6%
-2.0% YoY-0.8% QoQ
|
-9.8% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.3%
+11.2% YoY+23.7% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
65.4%
+7.5% YoY+3.3% QoQ
|
+4.1% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$32,264
+4.5% YoY-0.7% QoQ
|
+$18K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 2.9% in tier |
| CD Concentration |
16.6%
+13.1% YoY-5.7% QoQ
|
-7.8% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)