BlastPoint's Credit Union Scorecard
CHICAGO AVENUE GARAGE
Charter #2495 · IL
2596 CUs in <100M nationally
143 in IL
CHICAGO AVENUE GARAGE has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.85% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 16.52% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.7% in tier
- - AMR Growth Rate: Bottom 3.7% in tier
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
- - Asset Growth Rate: Bottom 7.4% in tier
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - Total Loans: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
549
+0.7% YoY-0.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$4.3M
-8.2% YoY-8.0% QoQ
|
$-25.5M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$690,921
+2.0% YoY-1.9% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.2% in tier |
| Deposits |
$1.8M
-19.5% YoY-19.3% QoQ
|
$-23.7M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.1% in tier |
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| ROA |
0.9%
+38.5% YoY-1.0% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
4.8%
+6.0% YoY+4.2% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
80.6%
-6.8% YoY-2.0% QoQ
|
-0.8% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
18.0%
+50.9% YoY-13.9% QoQ
|
+16.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 1.4% in tier |
| Loan To Share |
38.6%
+26.6% YoY+21.7% QoQ
|
-22.6% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$4,516
-15.1% YoY-14.8% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.8% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
18
Net Worth Ratio
risk
Value:
56.75%
Peer Avg: -
#18 of 2596
Top 0.7% in <100M tier
481
Net Interest Margin (NIM)
profitability
Value:
4.78%
Peer Avg: -
#481 of 2596
Top 18.5% in <100M tier
Top Weaknesses (13 metrics)
2560
Total Delinquency Rate (60+ days)
risk
Value:
18.03%
Peer Avg: -
#2560 of 2596
Bottom 1.4% in <100M tier
2552
Deposit Growth Rate
growth
Value:
-19.47%
Peer Avg: -
#2552 of 2596
Bottom 1.7% in <100M tier
2501
AMR Growth Rate
growth
Value:
-15.08%
Peer Avg: -
#2501 of 2596
Bottom 3.7% in <100M tier
2497
Net Charge-Off Rate
risk
Value:
2.71%
Peer Avg: -
#2497 of 2596
Bottom 3.9% in <100M tier
2407
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,259
Peer Avg: -
#2407 of 2596
Bottom 7.3% in <100M tier
2405
Asset Growth Rate
growth
Value:
-8.22%
Peer Avg: -
#2405 of 2596
Bottom 7.4% in <100M tier
2394
Average Member Relationship (AMR)
engagement
Value:
$4,516
Peer Avg: -
#2394 of 2596
Bottom 7.8% in <100M tier
2356
Total Loans
balance_sheet
Value:
$690,921
Peer Avg: -
#2356 of 2596
Bottom 9.3% in <100M tier
2308
Total Deposits
balance_sheet
Value:
$1.79M
Peer Avg: -
#2308 of 2596
Bottom 11.1% in <100M tier
2248
Members Per Employee (MPE)
engagement
Value:
183.000
Peer Avg: -
#2248 of 2596
Bottom 13.4% in <100M tier