BlastPoint's Credit Union Scorecard
77TH STREET DEPOT
Charter #2505 · IL
77TH STREET DEPOT has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 0.61% above tier average
- + Strong member growth: 5.6% YoY
- + Member Growth Rate: Top 6.2% in tier
- + Net Worth Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 21.40% above tier (higher cost structure)
- - Delinquency rate 1.38% above tier average
- - Net Charge-Off Rate: Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 6.0% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.4% 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 -6.2% year over year ($13.0M in shares and deposits).
- Membership: 4,651 members, +5.6% vs a year ago.
- Delinquency rate 2.92%.
- Return on assets 1.85%.
- Efficiency ratio 110.17% vs a 88.77% peer average.
- Loan-to-share ratio 40.42% 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 |
4,651
+5.6% YoY+1.2% QoQ
|
+2.1K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$17.7M
-5.8% YoY-0.4% QoQ
|
$-12.6M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$5.3M
-7.0% YoY-6.4% QoQ
|
$-10.2M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$13.0M
-6.2% YoY+0.2% QoQ
|
$-12.8M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
1.9%
+264.2% YoY-275.6% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 11.9% in tier |
| NIM |
4.5%
+3.8% YoY+0.8% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
110.2%
+24.4% YoY+16.4% QoQ
|
+21.4% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
2.9%
+55.0% YoY+270.5% QoQ
|
+1.4 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.5% in tier |
| Loan To Share |
40.4%
-0.9% YoY-6.6% QoQ
|
-18.5% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$3,939
-11.4% YoY-2.9% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
7.8%
-18.7% YoY-2.1% QoQ
|
-16.7% | 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)