BlastPoint's Credit Union Scorecard
UNIFIED HOMEOWNERS OF ILLINOIS
Charter #24767 · IL
<100M
2508 CUs in <100M nationally
137 in IL
UNIFIED HOMEOWNERS OF ILLINOIS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.94% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Fee Income Per Member: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 4.51% below tier average
- - Efficiency ratio 26.03% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 0.8% in tier
- - Deposit Growth Rate: Bottom 1.1% in tier
- - Total Assets: Bottom 2.9% in tier
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Net Worth Ratio: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
303
+1.3% YoY+1.7% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 8.1% in tier |
| Assets |
$455,712
-25.6% YoY-9.8% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.8% in tier |
| Loans |
$231,393
+8.7% YoY-21.2% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.5% in tier |
| Deposits |
$421,259
-22.2% YoY-9.5% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.4% in tier |
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| ROA |
-4.4%
-84.0% YoY-68.7% QoQ
|
-4.5% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.0% in tier |
| NIM |
6.9%
+29.2% YoY+19.8% QoQ
|
+2.9% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
116.7%
-69.9% YoY-40.2% QoQ
|
+26.0% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
54.9%
+39.8% YoY-12.9% QoQ
|
-3.6% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$2,154
-14.6% YoY-15.5% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.1% in tier |
| CD Concentration |
8.5%
+12.4% YoY+10.6% QoQ
|
-15.8% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
35
Net Interest Margin (NIM)
profitability
Value:
6.94%
Peer Median: 3.83%
#35 of 2508
Top 1.4% in <100M tier
44
Fee Income Per Member
profitability
Value:
$288.99
Peer Median: $60.42
#44 of 2508
Top 1.7% in <100M tier
305
Loan Growth Rate
growth
Value:
8.70%
Peer Median: -2.36%
#305 of 2508
Top 12.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
528
Member Growth Rate
growth
Value:
1.34%
Peer Median: -1.37%
#528 of 2508
Top 21.0% in <100M tier
Top Weaknesses (13 metrics)
2490
Asset Growth Rate
growth
Value:
-25.62%
Peer Median: 1.30%
#2490 of 2508
Bottom 0.8% in <100M tier
2481
Deposit Growth Rate
growth
Value:
-22.23%
Peer Median: 0.66%
#2481 of 2508
Bottom 1.1% in <100M tier
2457
Return on Assets (ROA)
profitability
Value:
-4.36%
Peer Median: 0.61%
#2457 of 2508
Bottom 2.1% in <100M tier
2437
Total Assets
balance_sheet
Value:
$455,712
Peer Median: $21.86M
#2437 of 2508
Bottom 2.9% in <100M tier
2431
Average Member Relationship (AMR)
engagement
Value:
$2,154
Peer Median: $13,926
#2431 of 2508
Bottom 3.1% in <100M tier
2425
Net Worth Ratio
risk
Value:
7.51%
Peer Median: 14.28%
#2425 of 2508
Bottom 3.3% in <100M tier
2423
AMR Growth Rate
growth
Value:
-14.65%
Peer Median: 1.27%
#2423 of 2508
Bottom 3.4% in <100M tier
2422
Total Deposits
balance_sheet
Value:
$421,259
Peer Median: $18.77M
#2422 of 2508
Bottom 3.5% in <100M tier
2394
Total Loans
balance_sheet
Value:
$231,393
Peer Median: $9.48M
#2394 of 2508
Bottom 4.6% in <100M tier
2383
Loan-to-Member Ratio (LMR)
engagement
Value:
$763.67
Peer Median: $4,923
#2383 of 2508
Bottom 5.0% in <100M tier