BlastPoint's Credit Union Scorecard
METROPOLITAN "L"
Charter #2370 ยท IL
2596 CUs in <100M nationally
143 in IL
METROPOLITAN "L" has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.65% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Efficiency ratio 3.15% above tier (higher cost structure)
- - Delinquency rate 4.70% above tier average
- - Member decline: -3.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Loan-to-Share Ratio: Bottom 5.2% in tier
- - Net Charge-Off Rate: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,015
-3.3% YoY-2.4% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$9.6M
+1.6% YoY+2.3% QoQ
|
$-20.2M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$1.7M
-7.8% YoY-5.1% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$8.0M
+1.4% YoY+2.5% QoQ
|
$-17.5M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
32% |
| ROA |
0.5%
-7.4% YoY+0.1% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
4.6%
-4.3% YoY-1.1% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
84.5%
+7.9% YoY-1.8% QoQ
|
+3.1% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
6.2%
+23.4% YoY+84.3% QoQ
|
+4.7 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 4.3% in tier |
| Loan To Share |
21.7%
-9.0% YoY-7.4% QoQ
|
-39.5% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.0% in tier |
| AMR |
$9,599
+3.0% YoY+3.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
14.4%
+12.5% YoY+0.5% QoQ
|
-10.0% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
630
Net Interest Margin (NIM)
profitability
Value:
4.59%
Peer Avg: 3.93%
#630 of 2596
Top 24.2% in <100M tier
Top Weaknesses (5 metrics)
2486
Total Delinquency Rate (60+ days)
risk
Value:
6.21%
Peer Avg: 1.51%
#2486 of 2596
Bottom 4.3% in <100M tier
2462
Loan-to-Share Ratio
balance_sheet
Value:
21.73%
Peer Avg: 61.23%
#2462 of 2596
Bottom 5.2% in <100M tier
2437
Net Charge-Off Rate
risk
Value:
1.91%
Peer Avg: 0.57%
#2437 of 2596
Bottom 6.2% in <100M tier
2330
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,714
Peer Avg: $5,488
#2330 of 2596
Bottom 10.3% in <100M tier
2182
Total Loans
balance_sheet
Value:
$1.74M
Peer Avg: $15.77M
#2182 of 2596
Bottom 16.0% in <100M tier