BlastPoint's Credit Union Scorecard
CHICAGO AVENUE GARAGE
Charter #2495 · IL
2556 CUs in <100M nationally
138 in IL
CHICAGO AVENUE GARAGE has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 1.14% 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 0.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 15.97% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 2.1% in tier
- - AMR Growth Rate: Bottom 5.6% in tier
- - Net Charge-Off Rate: Bottom 7.8% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - Total Loans: Bottom 9.6% in tier
- - Asset Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
547
-0.2% YoY-0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 15.0% in tier |
| Assets |
$4.3M
-6.6% YoY-0.3% QoQ
|
$-25.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$806,074
+6.0% YoY+16.7% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.5% in tier |
| Deposits |
$1.8M
-17.0% YoY+0.3% QoQ
|
$-23.9M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.7% in tier |
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| ROA |
1.2%
+177.9% YoY+27.8% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
5.1%
+10.0% YoY+6.5% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 12.3% in tier |
| Efficiency Ratio |
75.6%
-15.2% YoY-6.2% QoQ
|
-7.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
17.5%
+71.9% YoY-2.8% QoQ
|
+16.0 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 1.2% in tier |
| Loan To Share |
44.9%
+27.8% YoY+16.3% QoQ
|
-15.7% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$4,754
-10.9% YoY+5.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.3% in tier |
| CD Concentration | 0.0% | -24.4% | 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 (6 metrics)
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
15
Net Worth Ratio
risk
Value:
57.24%
Peer Median: -
#15 of 2556
Top 0.5% in <100M tier
315
Net Interest Margin (NIM)
profitability
Value:
5.10%
Peer Median: -
#315 of 2556
Top 12.3% in <100M tier
476
Loan Growth Rate
growth
Value:
6.04%
Peer Median: -
#476 of 2556
Top 18.6% in <100M tier
Top Weaknesses (12 metrics)
2526
Total Delinquency Rate (60+ days)
risk
Value:
17.53%
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2504
Deposit Growth Rate
growth
Value:
-17.03%
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2415
AMR Growth Rate
growth
Value:
-10.87%
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier
2357
Net Charge-Off Rate
risk
Value:
1.67%
Peer Median: -
#2357 of 2556
Bottom 7.8% in <100M tier
2344
Average Member Relationship (AMR)
engagement
Value:
$4,754
Peer Median: -
#2344 of 2556
Bottom 8.3% in <100M tier
2341
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,474
Peer Median: -
#2341 of 2556
Bottom 8.5% in <100M tier
2312
Total Loans
balance_sheet
Value:
$806,074
Peer Median: -
#2312 of 2556
Bottom 9.6% in <100M tier
2311
Asset Growth Rate
growth
Value:
-6.56%
Peer Median: -
#2311 of 2556
Bottom 9.6% in <100M tier
2282
Total Deposits
balance_sheet
Value:
$1.79M
Peer Median: -
#2282 of 2556
Bottom 10.8% in <100M tier
2213
Members Per Employee (MPE)
engagement
Value:
182.333
Peer Median: -
#2213 of 2556
Bottom 13.5% in <100M tier