BlastPoint's Credit Union Scorecard
HOMEWOOD
Charter #24711 · IL
2596 CUs in <100M nationally
143 in IL
HOMEWOOD has 5 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 4.65% below tier average
- - Efficiency ratio 104.30% above tier (higher cost structure)
- - Delinquency rate 1.46% above tier average
- - Member decline: -14.8% YoY
- - Asset Growth Rate: Bottom 0.9% in tier
- - Deposit Growth Rate: Bottom 1.2% in tier
- - Member Growth Rate: Bottom 2.9% in tier
- - Loan Growth Rate: Bottom 5.0% in tier
- - Average Member Relationship (AMR): Bottom 5.5% in tier
- - Net Worth Ratio: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.1% in tier
- - AMR Growth Rate: Bottom 7.3% in tier
- - Total Assets: Bottom 7.8% in tier
- - Total Deposits: Bottom 8.7% in tier
- - Total Loans: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
588
-14.8% YoY-8.4% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$1.5M
-24.9% YoY-16.4% QoQ
|
$-28.4M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.8% in tier |
| Loans |
$722,321
-21.8% YoY-6.9% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.5% in tier |
| Deposits |
$1.4M
-24.7% YoY-15.1% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.7% in tier |
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| ROA |
-4.0%
-5033.1% YoY-4376.6% QoQ
|
-4.6% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.5% in tier |
| NIM |
4.4%
+17.5% YoY+1.9% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
185.7%
+90.1% YoY+89.6% QoQ
|
+104.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.5% in tier |
| Delinquency Rate |
3.0%
-8.8% YoY+46.2% QoQ
|
+1.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 12.1% in tier |
| Loan To Share |
53.1%
+3.8% YoY+9.6% QoQ
|
-8.1% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$3,540
-10.4% YoY-4.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.4% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (16 metrics)
2574
Asset Growth Rate
growth
Value:
-24.94%
Peer Avg: -
#2574 of 2596
Bottom 0.9% in <100M tier
2565
Deposit Growth Rate
growth
Value:
-24.66%
Peer Avg: -
#2565 of 2596
Bottom 1.2% in <100M tier
2559
Efficiency Ratio
profitability
Value:
185.69%
Peer Avg: -
#2559 of 2596
Bottom 1.5% in <100M tier
2557
Return on Assets (ROA)
profitability
Value:
-3.96%
Peer Avg: -
#2557 of 2596
Bottom 1.5% in <100M tier
2523
Member Growth Rate
growth
Value:
-14.78%
Peer Avg: -
#2523 of 2596
Bottom 2.9% in <100M tier
2467
Loan Growth Rate
growth
Value:
-21.79%
Peer Avg: -
#2467 of 2596
Bottom 5.0% in <100M tier
2455
Average Member Relationship (AMR)
engagement
Value:
$3,540
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2435
Net Worth Ratio
risk
Value:
8.40%
Peer Avg: -
#2435 of 2596
Bottom 6.2% in <100M tier
2412
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,228
Peer Avg: -
#2412 of 2596
Bottom 7.1% in <100M tier
2408
AMR Growth Rate
growth
Value:
-10.45%
Peer Avg: -
#2408 of 2596
Bottom 7.3% in <100M tier