BlastPoint's Credit Union Scorecard

FOR MEMBERS ONLY

Charter #24946 · IL

2556 CUs in <100M nationally 138 in IL

FOR MEMBERS ONLY has 8 strengths but faces 10 concerns

National Analysis

How does the industry compare?
IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.69% above tier average
  • + Strong member growth: 29.8% YoY
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Members Per Employee (MPE): Top 0.0% in tier
  • + Total Members: Top 0.5% in tier
  • + Member Growth Rate: Top 1.1% in tier
  • + Asset Growth Rate: Top 1.8% in tier
  • + Deposit Growth Rate: Top 2.2% in tier

Key Concerns

Areas that may need attention

  • - Loan Growth Rate: Bottom 0.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
  • - Net Charge-Off Rate: Bottom 0.0% in tier
  • - Indirect Auto Concentration (%): Bottom 0.0% in tier
  • - First Mortgage Concentration (%): Bottom 0.0% in tier
  • - Average Member Relationship (AMR): Bottom 0.4% in tier
  • - Total Loans: Bottom 0.5% in tier
  • - Loan-to-Share Ratio: Bottom 0.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
  • - AMR Growth Rate: Bottom 8.8% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 11,838
+29.8% YoY+4.9% QoQ
 +9.2K 2,615
-1.9% YoY
 21,665
+5.6% YoY
 33,374
+5.7% YoY
 Top 0.6% in tier
Assets $5.9M
+20.0% YoY+5.1% QoQ
 $-24.2M $30.1M
+2.1% YoY
 $394.9M
+10.3% YoY
 $561.6M
+9.7% YoY
 22%
Loans $0.0 $-15.8M $15.8M
-1.3% YoY
 $275.6M
+9.5% YoY
 $397.0M
+8.8% YoY
 Bottom 0.0% in tier
Deposits $5.0M
+19.1% YoY+3.7% QoQ
 $-20.7M $25.7M
+1.4% YoY
 $330.4M
+9.6% YoY
 $477.3M
+9.7% YoY
 23%

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Tier 1
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ROA 3.3%
-8.8% YoY+63.7% QoQ
 +2.7% 0.6%
+10.8% YoY
 0.6%
-12.3% YoY
 0.7%
+15.9% YoY
 Top 1.1% in tier
NIM 2.9%
-11.7% YoY-4.0% QoQ
 -1.1% 4.0%
+4.0% YoY
 3.6%
+3.6% YoY
 3.8%
+5.1% YoY
 16%
Efficiency Ratio 72.9%
+24.8% YoY-7.3% QoQ
 -9.7% 82.6%
-2.3% YoY
 89.8%
+8.5% YoY
 79.7%
-3.3% YoY
 33%
Delinquency Rate - - 1.6%
-3.1% YoY
 1.1%
-24.1% YoY
 1.3%
-2.1% YoY
 -
Loan To Share 0.0% -60.6% 60.6%
-3.1% YoY
 62.0%
-1.0% YoY
 67.4%
-1.7% YoY
 Bottom 0.0% in tier
AMR $420.0
-8.2% YoY-1.2% QoQ
 $-14K $14,783
-1.4% YoY
 $15,477
+4.9% YoY
 $19,687
+2.0% YoY
 Bottom 0.3% in tier
CD Concentration 0.0% -24.4% 24.4% 14.1% 19.8% 50%
Indirect Auto % - - 13.8% 7.1% 7.8% -

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 2556 peers in tier

Top Strengths (7 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Members Per Employee (MPE)
engagement
Value: 5919.000
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
15
Total Members
engagement
Value: 11,838
Peer Median: -
#15 of 2556 Top 0.5% in <100M tier
28
Return on Assets (ROA)
profitability
Value: 3.31%
Peer Median: -
#28 of 2556 Top 1.1% in <100M tier
29
Member Growth Rate
growth
Value: 29.83%
Peer Median: -
#29 of 2556 Top 1.1% in <100M tier
46
Asset Growth Rate
growth
Value: 20.02%
Peer Median: -
#46 of 2556 Top 1.8% in <100M tier
56
Deposit Growth Rate
growth
Value: 19.13%
Peer Median: -
#56 of 2556 Top 2.2% in <100M tier

Top Weaknesses (13 metrics)

2556
Loan Growth Rate
growth
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Total Delinquency Rate (60+ days)
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Net Charge-Off Rate
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
Indirect Auto Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2556
First Mortgage Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.0% in <100M tier
2548
Average Member Relationship (AMR)
engagement
Value: $420.05
Peer Median: -
#2548 of 2556 Bottom 0.4% in <100M tier
2544
Total Loans
balance_sheet
Value: $0.00
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
2544
Loan-to-Share Ratio
balance_sheet
Value: 0.00%
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
2544
Loan-to-Member Ratio (LMR)
engagement
Value: $0.00
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
2332
AMR Growth Rate
growth
Value: -8.24%
Peer Median: -
#2332 of 2556 Bottom 8.8% in <100M tier
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