BlastPoint's Credit Union Scorecard
CHICAGO AVENUE GARAGE
Charter #2495 · IL
<100M
2508 CUs in <100M nationally
137 in IL
CHICAGO AVENUE GARAGE has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 1.00% above tier average
- + Net Worth Ratio: Top 0.5% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
- + Loan Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 15.44% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 2.0% in tier
- - AMR Growth Rate: Bottom 4.8% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
563
+2.9% YoY+2.9% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
15% |
| Assets |
$4.4M
-7.0% YoY+1.4% QoQ
|
$-25.8M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$817,523
+14.0% YoY+1.4% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.0% in tier |
| Deposits |
$1.8M
-17.6% YoY+1.4% QoQ
|
$-24.0M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.8% in tier |
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| ROA |
0.2%
-48.1% YoY-81.7% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
5.0%
+11.4% YoY-1.7% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 11.5% in tier |
| Efficiency Ratio |
69.3%
-24.6% YoY-8.2% QoQ
|
-21.3% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
16.9%
+37.0% YoY-3.3% QoQ
|
+15.4 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
44.9%
+38.4% YoY-0.0% QoQ
|
-13.6% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$4,685
-12.5% YoY-1.5% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
14
Net Worth Ratio
risk
Value:
56.50%
Peer Median: 14.28%
#14 of 2508
Top 0.5% in <100M tier
110
Net Charge-Off Rate
risk
Value:
-0.34%
Peer Median: 0.07%
#110 of 2508
Top 4.3% in <100M tier
157
Loan Growth Rate
growth
Value:
13.99%
Peer Median: -2.36%
#157 of 2508
Top 6.2% in <100M tier
289
Net Interest Margin (NIM)
profitability
Value:
5.01%
Peer Median: 3.83%
#289 of 2508
Top 11.5% in <100M tier
307
Member Growth Rate
growth
Value:
2.93%
Peer Median: -1.37%
#307 of 2508
Top 12.2% in <100M tier
613
Efficiency Ratio
profitability
Value:
69.35%
Peer Median: 81.45%
#613 of 2508
Top 24.4% in <100M tier
Top Weaknesses (11 metrics)
2478
Total Delinquency Rate (60+ days)
risk
Value:
16.95%
Peer Median: 0.65%
#2478 of 2508
Bottom 1.2% in <100M tier
2460
Deposit Growth Rate
growth
Value:
-17.64%
Peer Median: 0.66%
#2460 of 2508
Bottom 2.0% in <100M tier
2388
AMR Growth Rate
growth
Value:
-12.45%
Peer Median: 1.27%
#2388 of 2508
Bottom 4.8% in <100M tier
2302
Average Member Relationship (AMR)
engagement
Value:
$4,685
Peer Median: $13,926
#2302 of 2508
Bottom 8.3% in <100M tier
2287
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,452
Peer Median: $4,923
#2287 of 2508
Bottom 8.9% in <100M tier
2278
Asset Growth Rate
growth
Value:
-7.00%
Peer Median: 1.30%
#2278 of 2508
Bottom 9.2% in <100M tier
2258
Total Loans
balance_sheet
Value:
$817,523
Peer Median: $9.48M
#2258 of 2508
Bottom 10.0% in <100M tier
2237
Total Deposits
balance_sheet
Value:
$1.82M
Peer Median: $18.77M
#2237 of 2508
Bottom 10.8% in <100M tier
2158
Members Per Employee (MPE)
engagement
Value:
187.667
Peer Median: 333.750
#2158 of 2508
Bottom 14.0% in <100M tier
2122
Total Members
engagement
Value:
563
Peer Median: 1,918
#2122 of 2508
Bottom 15.4% in <100M tier