BlastPoint's Credit Union Scorecard
CTA-74TH STREET DEPOT
Charter #2498 · IL
CTA-74TH STREET DEPOT has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9.3% YoY
- + Member Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 22.32% above tier (higher cost structure)
- - Delinquency rate 4.30% above tier average
- - AMR Growth Rate: Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
- - Loan Growth Rate: Bottom 5.2% in tier
- - Net Charge-Off Rate: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
807
+9.3% YoY+3.9% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$8.4M
-7.5% YoY-4.2% QoQ
|
$-21.7M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$2.9M
-22.0% YoY-5.1% QoQ
|
$-12.3M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$7.0M
-7.9% YoY-4.9% QoQ
|
$-18.8M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
-0.6%
-380.6% YoY
|
-0.7% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.4% in tier |
| NIM |
3.5%
-9.1% YoY-5.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
112.9%
+19.0% YoY+14.2% QoQ
|
+22.3% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
5.8%
+49.3% YoY+5.4% QoQ
|
+4.3 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
42.0%
-15.3% YoY-0.2% QoQ
|
-16.5% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$12,333
-20.0% YoY-8.5% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 1.8% | -12.0% | 13.8% | 7.2% | 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)