BlastPoint's Credit Union Scorecard
CHICAGO AVENUE GARAGE
Charter #2495 · IL
CHICAGO AVENUE GARAGE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.22% above tier average
- + Net Worth Ratio: Top 0.5% in tier
- + Loan Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.36% below tier average
- - Delinquency rate 17.04% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Deposit Growth Rate: Bottom 2.3% in tier
- - AMR Growth Rate: Bottom 6.4% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits -17.7% year over year ($1.8M in shares and deposits).
- Membership: 554 members, +0.5% vs a year ago.
- Delinquency rate 18.59%.
- Return on assets 0.13%.
- Efficiency ratio 76.67% vs a 88.77% peer average.
- Loan-to-share ratio 43.19% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
554
+0.5% YoY-1.6% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$4.4M
-7.5% YoY-0.6% QoQ
|
$-25.9M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$787,788
+11.9% YoY-3.6% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.7% in tier |
| Deposits |
$1.8M
-17.7% YoY+0.2% QoQ
|
$-24.0M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.5% in tier |
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| ROA |
0.1%
-85.5% YoY-37.5% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.4% in tier |
| NIM |
5.1%
+11.5% YoY+2.1% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Top 10.0% in tier |
| Efficiency Ratio |
76.7%
-6.8% YoY+10.6% QoQ
|
-12.1% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
18.6%
-11.2% YoY+9.7% QoQ
|
+17.0 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.1% in tier |
| Loan To Share |
43.2%
+36.0% YoY-3.8% QoQ
|
-15.7% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$4,714
-11.1% YoY+0.6% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.9% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)