BlastPoint's Credit Union Scorecard
METROPOLITAN "L"
Charter #2370 · IL
METROPOLITAN "L" has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Net Interest Margin 0.24% above tier average
- + Net Charge-Off Rate: Top 0.6% in tier
- + Member Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.26% above tier (higher cost structure)
- - Delinquency rate 3.51% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
- - Loan-to-Share Ratio: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,097
+4.4% YoY+9.4% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$9.4M
+0.4% YoY-2.8% QoQ
|
$-20.8M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$1.7M
-9.7% YoY-1.6% QoQ
|
$-13.5M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$7.8M
+0.3% YoY-3.4% QoQ
|
$-18.0M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
0.2%
-71.8% YoY-15.8% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
4.2%
-13.4% YoY-3.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
95.9%
+11.4% YoY+10.0% QoQ
|
+5.3% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
5.0%
+31.1% YoY+91.7% QoQ
|
+3.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.0% in tier |
| Loan To Share |
22.3%
-10.0% YoY+1.8% QoQ
|
-36.2% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.1% in tier |
| AMR |
$8,652
-5.8% YoY-11.4% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
21% |
| CD Concentration |
15.8%
+14.2% YoY+9.6% QoQ
|
-8.5% | 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)