BlastPoint's Credit Union Scorecard

M.W.P.H. GRAND LODGE OF ILLINOIS

Charter #24123 · IL

2556 CUs in <100M nationally 138 in IL

M.W.P.H. GRAND LODGE OF ILLINOIS has 3 strengths but faces 17 concerns

National Analysis

How does the industry compare?
IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.25% above tier average
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -5.9% YoY
  • - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
  • - Net Charge-Off Rate: Bottom 0.0% in tier
  • - Indirect Auto Concentration (%): Bottom 0.0% in tier
  • - First Mortgage Concentration (%): Bottom 0.0% in tier
  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Total Loans: Bottom 0.5% in tier
  • - Loan-to-Share Ratio: Bottom 0.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
  • - Deposit Growth Rate: Bottom 0.8% in tier
  • - Loan Growth Rate: Bottom 0.9% in tier
  • - Asset Growth Rate: Bottom 0.9% in tier
  • - AMR Growth Rate: Bottom 1.3% in tier
  • - Average Member Relationship (AMR): Bottom 1.6% in tier
  • - Total Assets: Bottom 2.8% in tier
  • - Total Deposits: Bottom 3.2% in tier
  • - Total Members: Bottom 6.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 255
-5.9% YoY+0.4% QoQ
 -2.4K 2,615
-1.9% YoY
 21,665
+5.6% YoY
 33,374
+5.7% YoY
 Bottom 6.4% in tier
Assets $436,395
-24.4% YoY+1.2% QoQ
 $-29.7M $30.1M
+2.1% YoY
 $394.9M
+10.3% YoY
 $561.6M
+9.7% YoY
 Bottom 2.7% in tier
Loans $0.0
-100.0% YoY
 $-15.8M $15.8M
-1.3% YoY
 $275.6M
+9.5% YoY
 $397.0M
+8.8% YoY
 Bottom 0.0% in tier
Deposits $363,399
-29.2% YoY+1.4% QoQ
 $-25.3M $25.7M
+1.4% YoY
 $330.4M
+9.6% YoY
 $477.3M
+9.7% YoY
 Bottom 3.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 2.9%
+52.8% YoY+16.9% QoQ
 +2.2% 0.6%
+10.8% YoY
 0.6%
-12.3% YoY
 0.7%
+15.9% YoY
 Top 1.8% in tier
NIM 3.5%
+51.7% YoY+9.2% QoQ
 -0.5% 4.0%
+4.0% YoY
 3.6%
+3.6% YoY
 3.8%
+5.1% YoY
 35%
Efficiency Ratio 40.9%
-4.7% YoY-5.4% QoQ
 -41.7% 82.6%
-2.3% YoY
 89.8%
+8.5% YoY
 79.7%
-3.3% YoY
 Bottom 1.8% in tier
Delinquency Rate - - 1.6%
-3.1% YoY
 1.1%
-24.1% YoY
 1.3%
-2.1% YoY
 -
Loan To Share 0.0%
-100.0% YoY
 -60.6% 60.6%
-3.1% YoY
 62.0%
-1.0% YoY
 67.4%
-1.7% YoY
 Bottom 0.0% in tier
AMR $1,425
-24.8% YoY+1.0% QoQ
 $-13K $14,783
-1.4% YoY
 $15,477
+4.9% YoY
 $19,687
+2.0% YoY
 Bottom 1.6% in tier
CD Concentration 0.0% -24.4% 24.4% 14.1% 19.8% 50%
Indirect Auto % - - 13.8% 7.1% 7.8% -

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)

Comparing against 2556 peers in tier

Top Strengths (3 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
46
Return on Assets (ROA)
profitability
Value: 2.87%
Peer Median: -
#46 of 2556 Top 1.8% in <100M tier
46
Efficiency Ratio
profitability
Value: 40.87%
Peer Median: -
#46 of 2556 Top 1.8% in <100M tier

Top Weaknesses (17 metrics)

2556
Total Delinquency Rate (60+ days)
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Net Charge-Off Rate
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Indirect Auto Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
First Mortgage Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Members Per Employee (MPE)
engagement
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2544
Total Loans
balance_sheet
Value: $0.00
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
2544
Loan-to-Share Ratio
balance_sheet
Value: 0.00%
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
2544
Loan-to-Member Ratio (LMR)
engagement
Value: $0.00
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
2536
Deposit Growth Rate
growth
Value: -29.21%
Peer Median: -
#2536 of 2556 Bottom 0.8% in <100M tier
2535
Loan Growth Rate
growth
Value: -100.00%
Peer Median: -
#2535 of 2556 Bottom 0.9% in <100M tier
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