BlastPoint's Credit Union Scorecard
CTA-74TH STREET DEPOT
Charter #2498 · IL
2596 CUs in <100M nationally
143 in IL
CTA-74TH STREET DEPOT has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 8.5% 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 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 14.66% above tier (higher cost structure)
- - Delinquency rate 6.93% above tier average
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
- - Members Per Employee (MPE): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
765
+8.5% YoY+1.7% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$9.0M
-2.9% YoY-1.0% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$3.3M
-10.3% YoY-6.0% QoQ
|
$-12.5M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$7.5M
-3.5% YoY-1.2% QoQ
|
$-17.9M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
30% |
| ROA |
0.2%
-22.0% YoY-24.1% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.7%
-6.9% YoY-0.6% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
96.1%
+1.0% YoY+1.3% QoQ
|
+14.7% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 14.9% in tier |
| Delinquency Rate |
8.4%
+276.9% YoY+89.7% QoQ
|
+6.9 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 2.7% in tier |
| Loan To Share |
43.7%
-7.0% YoY-4.9% QoQ
|
-17.6% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$14,122
-13.1% YoY-4.4% QoQ
|
$-505 |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
105
Member Growth Rate
growth
Value:
8.51%
Peer Avg: 14.92%
#105 of 2596
Top 4.0% in <100M tier
Top Weaknesses (11 metrics)
2563
Net Charge-Off Rate
risk
Value:
5.53%
Peer Avg: 0.57%
#2563 of 2596
Bottom 1.3% in <100M tier
2528
Total Delinquency Rate (60+ days)
risk
Value:
8.44%
Peer Avg: 1.51%
#2528 of 2596
Bottom 2.7% in <100M tier
2469
AMR Growth Rate
growth
Value:
-13.09%
Peer Avg: 4.67%
#2469 of 2596
Bottom 4.9% in <100M tier
2391
Members Per Employee (MPE)
engagement
Value:
127.500
Peer Avg: 365.701
#2391 of 2596
Bottom 7.9% in <100M tier
2211
Efficiency Ratio
profitability
Value:
96.05%
Peer Avg: 81.39%
#2211 of 2596
Bottom 14.9% in <100M tier
2062
Loan Growth Rate
growth
Value:
-10.29%
Peer Avg: 59.01%
#2062 of 2596
Bottom 20.6% in <100M tier
2029
Return on Assets (ROA)
profitability
Value:
0.16%
Peer Avg: 0.68%
#2029 of 2596
Bottom 21.9% in <100M tier
2029
Total Members
engagement
Value:
765
Peer Avg: 2,626
#2029 of 2596
Bottom 21.9% in <100M tier
2026
Asset Growth Rate
growth
Value:
-2.87%
Peer Avg: 1.82%
#2026 of 2596
Bottom 22.0% in <100M tier
1987
Loan-to-Share Ratio
balance_sheet
Value:
43.67%
Peer Avg: 61.23%
#1987 of 2596
Bottom 23.5% in <100M tier