BlastPoint's Credit Union Scorecard
77TH STREET DEPOT
Charter #2505 · IL
77TH STREET DEPOT has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.47% above tier average
- + Member Growth Rate: Top 8.5% in tier
- + Net Worth Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 4.03% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 4.1% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 5.4% in tier
- - Asset Growth Rate: Bottom 6.0% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,596
+4.1% YoY+1.3% QoQ
|
+1.9K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$17.8M
-8.9% YoY-2.8% QoQ
|
$-12.4M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$5.6M
-3.7% YoY-6.9% QoQ
|
$-9.6M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$13.0M
-11.1% YoY-3.4% QoQ
|
$-12.8M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
42% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.1%
-238.9% YoY+692.6% QoQ
|
-1.2% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.0% in tier |
| NIM |
4.5%
+3.5% YoY-0.6% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
94.7%
+12.5% YoY+9.2% QoQ
|
+4.0% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.8%
-23.4% YoY-64.6% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
43.3%
+8.4% YoY-3.6% QoQ
|
-15.2% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$4,058
-12.6% YoY-5.7% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.4% in tier |
| CD Concentration |
8.0%
-22.4% YoY+3.6% QoQ
|
-16.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)