BlastPoint's Credit Union Scorecard
UNIFIED HOMEOWNERS OF ILLINOIS
Charter #24767 · IL
2556 CUs in <100M nationally
138 in IL
UNIFIED HOMEOWNERS OF ILLINOIS has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.84% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.8% in tier
- + AMR Growth Rate: Top 5.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 14.53% below tier average
- - Efficiency ratio 112.53% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 2.0% in tier
- - Total Assets: Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 3.7% in tier
- - Net Worth Ratio: Bottom 3.8% in tier
- - Total Deposits: Bottom 3.8% in tier
- - Total Loans: Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - Total Members: Bottom 7.8% in tier
- - Members Per Employee (MPE): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
298
-0.7% YoY0% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 7.6% in tier |
| Assets |
$505,088
-14.6% YoY-12.4% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.1% in tier |
| Loans |
$293,649
+49.4% YoY+41.9% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.9% in tier |
| Deposits |
$465,596
-2.8% YoY-9.6% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.8% in tier |
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| ROA |
-13.9%
-22.0% YoY+18.4% QoQ
|
-14.5% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.2% in tier |
| NIM |
5.8%
+1.3% YoY+6.5% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
195.1%
-10.5% YoY+5.1% QoQ
|
+112.5% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
63.1%
+53.7% YoY+57.0% QoQ
|
+2.5% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$2,548
+13.2% YoY+5.1% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.7% in tier |
| CD Concentration |
7.7%
-12.3% YoY-0.9% QoQ
|
-16.7% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
21
Loan Growth Rate
growth
Value:
49.40%
Peer Median: -
#21 of 2556
Top 0.8% in <100M tier
128
Net Interest Margin (NIM)
profitability
Value:
5.79%
Peer Median: -
#128 of 2556
Top 5.0% in <100M tier
153
AMR Growth Rate
growth
Value:
13.15%
Peer Median: -
#153 of 2556
Top 5.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
307
Fee Income Per Member
profitability
Value:
$160.30
Peer Median: -
#307 of 2556
Top 12.0% in <100M tier
Top Weaknesses (11 metrics)
2550
Return on Assets (ROA)
profitability
Value:
-13.91%
Peer Median: -
#2550 of 2556
Bottom 0.3% in <100M tier
2529
Efficiency Ratio
profitability
Value:
195.09%
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2507
Asset Growth Rate
growth
Value:
-14.60%
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2476
Total Assets
balance_sheet
Value:
$505,088
Peer Median: -
#2476 of 2556
Bottom 3.2% in <100M tier
2462
Average Member Relationship (AMR)
engagement
Value:
$2,548
Peer Median: -
#2462 of 2556
Bottom 3.7% in <100M tier
2459
Net Worth Ratio
risk
Value:
7.76%
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2459
Total Deposits
balance_sheet
Value:
$465,596
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2431
Total Loans
balance_sheet
Value:
$293,649
Peer Median: -
#2431 of 2556
Bottom 4.9% in <100M tier
2415
Loan-to-Member Ratio (LMR)
engagement
Value:
$985.40
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier
2358
Total Members
engagement
Value:
298
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier