BlastPoint's Credit Union Scorecard

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

Charter #24123 · IL

<100M
2437 CUs in <100M nationally 127 in IL

M.W.P.H. GRAND LODGE OF ILLINOIS has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.62% above tier average
  • + Efficiency Ratio: Top 1.8% in tier
  • + AMR Growth Rate: Top 4.4% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -35.9% YoY
  • - Total Delinquency Rate (60+ days): Bottom 0.1% in tier
  • - Net Charge-Off Rate: Bottom 0.1% in tier
  • - Indirect Auto Concentration (%): Bottom 0.1% in tier
  • - First Mortgage Concentration (%): Bottom 0.1% in tier
  • - Members Per Employee (MPE): Bottom 0.1% in tier
  • - Total Loans: Bottom 0.4% in tier
  • - Loan-to-Share Ratio: Bottom 0.4% in tier

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 175
-35.9% YoY-32.4% QoQ
-2.4K 2,585
-1.7% YoY
23,254
+11.8% YoY
34,678
+6.6% YoY
Bottom 3.7% in tier
Assets $417,502
-20.8% YoY-7.1% QoQ
$-29.9M $30.3M
+1.5% YoY
$427.8M
+15.2% YoY
$593.1M
+10.2% YoY
Bottom 2.4% in tier
Loans $0.0
-100.0% YoY
$-15.5M $15.5M
-1.7% YoY
$298.4M
+15.0% YoY
$418.6M
+10.1% YoY
Bottom 0.1% in tier
Deposits $339,919
-25.5% YoY-9.2% QoQ
$-25.5M $25.8M
+1.1% YoY
$358.8M
+15.8% YoY
$504.8M
+10.3% YoY
Bottom 2.7% in tier

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Tier 1
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ROA 2.1%
-8.3% YoY+8.0% QoQ
+0.6% 1.5%
+241.5% YoY
1.1%
+953.5% YoY
1.2%
+121.4% YoY
Top 8.2% in tier
NIM 2.8%
+0.1% YoY+27.0% QoQ
-1.1% 3.9%
+0.9% YoY
3.7%
+1.5% YoY
3.8%
+2.3% YoY
Bottom 11.6% in tier
Efficiency Ratio 41.9%
+6.1% YoY+17.5% QoQ
-46.9% 88.8%
-6.9% YoY
84.5%
-59.6% YoY
83.0%
-5.3% YoY
Top 1.8% in tier
Delinquency Rate - - 1.5%
+2.1% YoY
1.3%
-18.5% YoY
1.3%
+2.6% YoY
-
Loan To Share 0.0% -58.9% 58.9%
-3.1% YoY
60.1%
-3.0% YoY
66.4%
-1.4% YoY
Bottom 0.1% in tier
AMR $1,942
+16.3% YoY+34.4% QoQ
$-13K $14,963
-6.8% YoY
$15,331
+1.7% YoY
$20,028
-0.9% YoY
Bottom 2.3% in tier
CD Concentration 0.0% -24.6% 24.6% 14.0% 20.0% 50%
Indirect Auto % - - 13.6% 6.8% 7.7% -

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 2437 peers in tier

Top Strengths (4 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.77%
#1 of 2437 Top 0.1% in <100M tier
45
Efficiency Ratio
profitability
Value: 41.89%
Peer Median: 80.65%
#45 of 2437 Top 1.8% in <100M tier
109
AMR Growth Rate
growth
Value: 16.26%
Peer Median: 1.04%
#109 of 2437 Top 4.4% in <100M tier
201
Return on Assets (ROA)
profitability
Value: 2.12%
Peer Median: 0.81%
#201 of 2437 Top 8.2% in <100M tier

Top Weaknesses (17 metrics)

2437
Total Delinquency Rate (60+ days)
risk
Value: -
Peer Median: 0.70%
#2437 of 2437 Bottom 0.1% in <100M tier
2437
Net Charge-Off Rate
risk
Value: -
Peer Median: 0.18%
#2437 of 2437 Bottom 0.1% in <100M tier
2437
Indirect Auto Concentration (%)
balance_sheet
Value: -
Peer Median: 0.00%
#2437 of 2437 Bottom 0.1% in <100M tier
2437
First Mortgage Concentration (%)
balance_sheet
Value: -
Peer Median: 3.59%
#2437 of 2437 Bottom 0.1% in <100M tier
2437
Members Per Employee (MPE)
engagement
Value: -
Peer Median: 328.333
#2437 of 2437 Bottom 0.1% in <100M tier
2429
Total Loans
balance_sheet
Value: $0.00
Peer Median: $9.49M
#2429 of 2437 Bottom 0.4% in <100M tier
2429
Loan-to-Share Ratio
balance_sheet
Value: 0.00%
Peer Median: 58.67%
#2429 of 2437 Bottom 0.4% in <100M tier
2429
Loan-to-Member Ratio (LMR)
engagement
Value: $0.00
Peer Median: $4,937
#2429 of 2437 Bottom 0.4% in <100M tier
2423
Loan Growth Rate
growth
Value: -100.00%
Peer Median: -2.63%
#2423 of 2437 Bottom 0.6% in <100M tier
2422
Member Growth Rate
growth
Value: -35.90%
Peer Median: -1.37%
#2422 of 2437 Bottom 0.7% in <100M tier
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