BlastPoint's Credit Union Scorecard
CTA-74TH STREET DEPOT
Charter #2498 · IL
CTA-74TH STREET DEPOT has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 16.37% above tier (higher cost structure)
- - Delinquency rate 3.95% above tier average
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - AMR Growth Rate: Bottom 3.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
- - Members Per Employee (MPE): Bottom 8.3% in tier
- - Loan Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
777
+7.2% YoY+1.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$8.8M
-4.0% YoY-2.1% QoQ
|
$-21.3M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$3.1M
-15.3% YoY-5.6% QoQ
|
$-12.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$7.4M
-4.5% YoY-2.0% QoQ
|
$-18.3M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.0%
-103.9% YoY-73.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.7%
+19.1% YoY-0.9% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
98.9%
-26.1% YoY+3.0% QoQ
|
+16.4% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 12.3% in tier |
| Delinquency Rate |
5.5%
+907.4% YoY-34.8% QoQ
|
+3.9 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 5.5% in tier |
| Loan To Share |
42.1%
-11.3% YoY-3.7% QoQ
|
-18.5% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$13,474
-14.1% YoY-4.6% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
48% |
| 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)
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)