BlastPoint's Credit Union Scorecard
ELCA
Charter #24866 · IL
ELCA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 8.0% in tier
- + Member Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 18.38% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,381
+3.6% YoY+1.8% QoQ
|
-244 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$25.6M
+8.1% YoY+1.3% QoQ
|
$-4.2M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$12.4M
+7.4% YoY+3.8% QoQ
|
$-3.4M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$22.2M
+10.5% YoY+6.0% QoQ
|
$-3.2M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
56% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-115.9% YoY-142.9% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.9% in tier |
| NIM |
3.7%
+8.8% YoY-5.6% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
99.8%
+8.8% YoY+4.2% QoQ
|
+18.4% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 11.2% in tier |
| Delinquency Rate |
2.0%
+2241.6% YoY+7404.1% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
55.7%
-2.7% YoY-2.1% QoQ
|
-5.6% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$14,532
+5.6% YoY+3.3% QoQ
|
$-94 |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
6.4%
-10.0% YoY-2.9% QoQ
|
-18.1% |
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)
Concerns (0)
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)