BlastPoint's Credit Union Scorecard
FOR MEMBERS ONLY
Charter #24946 · IL
<100M
2508 CUs in <100M nationally
137 in IL
FOR MEMBERS ONLY has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.02% above tier average
- + Strong member growth: 14.9% YoY
- + Members Per Employee (MPE): Top 0.1% in tier
- + Total Members: Top 0.8% in tier
- + Asset Growth Rate: Top 1.3% in tier
- + Deposit Growth Rate: Top 1.8% in tier
- + Member Growth Rate: Top 2.5% 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 0.4% in tier
- - Loan-to-Share Ratio: Bottom 0.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,106
+14.9% YoY-6.2% QoQ
|
+8.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Top 0.8% in tier |
| Assets |
$6.3M
+20.5% YoY+6.1% QoQ
|
$-23.9M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans | $0.0 | $-15.3M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$5.2M
+19.2% YoY+5.5% QoQ
|
$-20.5M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
5.2%
+45.3% YoY+56.0% QoQ
|
+5.0% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Top 0.6% in tier |
| NIM |
2.4%
-21.3% YoY-16.9% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio |
66.7%
-4.7% YoY-8.4% QoQ
|
-23.9% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate | - | - |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
- |
| Loan To Share | 0.0% | -58.5% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$472.5
+3.8% YoY+12.5% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.3% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | - | - | 13.8% | 7.2% | 7.7% | - |
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
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
2
Members Per Employee (MPE)
engagement
Value:
5553.000
Peer Median: 333.750
#2 of 2508
Top 0.1% in <100M tier
15
Return on Assets (ROA)
profitability
Value:
5.17%
Peer Median: 0.61%
#15 of 2508
Top 0.6% in <100M tier
21
Total Members
engagement
Value:
11,106
Peer Median: 1,918
#21 of 2508
Top 0.8% in <100M tier
34
Asset Growth Rate
growth
Value:
20.53%
Peer Median: 1.30%
#34 of 2508
Top 1.3% in <100M tier
45
Deposit Growth Rate
growth
Value:
19.20%
Peer Median: 0.66%
#45 of 2508
Top 1.8% in <100M tier
64
Member Growth Rate
growth
Value:
14.85%
Peer Median: -1.37%
#64 of 2508
Top 2.5% in <100M tier
507
Efficiency Ratio
profitability
Value:
66.73%
Peer Median: 81.45%
#507 of 2508
Top 20.2% in <100M tier
Top Weaknesses (12 metrics)
2508
Loan Growth Rate
growth
Value:
-
Peer Median: -2.36%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Median: 0.65%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
Net Charge-Off Rate
risk
Value:
-
Peer Median: 0.07%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Median: 0.00%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Median: 3.66%
#2508 of 2508
Bottom 0.1% in <100M tier
2500
Average Member Relationship (AMR)
engagement
Value:
$472.47
Peer Median: $13,926
#2500 of 2508
Bottom 0.4% in <100M tier
2498
Total Loans
balance_sheet
Value:
$0.00
Peer Median: $9.48M
#2498 of 2508
Bottom 0.4% in <100M tier
2498
Loan-to-Share Ratio
balance_sheet
Value:
0.00%
Peer Median: 58.72%
#2498 of 2508
Bottom 0.4% in <100M tier
2498
Loan-to-Member Ratio (LMR)
engagement
Value:
$0.00
Peer Median: $4,923
#2498 of 2508
Bottom 0.4% in <100M tier
2344
Net Interest Margin (NIM)
profitability
Value:
2.40%
Peer Median: 3.83%
#2344 of 2508
Bottom 6.6% in <100M tier