BlastPoint's Credit Union Scorecard
SOUTH SHOP
Charter #2682 · IL
SOUTH SHOP demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,304
+1.6% YoY-0.8% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$11.5M
-1.4% YoY+0.4% QoQ
|
$-18.3M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$4.5M
-0.3% YoY-3.7% QoQ
|
$-11.2M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$9.0M
-3.4% YoY-0.6% QoQ
|
$-16.5M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
1.0%
+38.6% YoY-8.8% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
3.8%
+3.6% YoY+1.9% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
73.0%
-3.4% YoY+4.5% QoQ
|
-8.4% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.1%
+14.1% YoY-5.4% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
50.4%
+3.3% YoY-3.1% QoQ
|
-10.8% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$10,385
-3.9% YoY-0.9% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
31% |
| 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%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)