BlastPoint's Credit Union Scorecard

ALTONIZED COMMUNITY

Charter #3316 · IL

<100M

2508 CUs in <100M nationally 137 in IL

ALTONIZED COMMUNITY has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.21% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 2.11% above tier (higher cost structure)
- Net Worth Ratio: Bottom 5.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	5,595 -1.8% YoY+0.1% QoQ	+2.9K	2,676 +1.6% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	Top 10.4% in tier
Assets	$55.7M +6.6% YoY+8.5% QoQ	+$25.6M	$30.2M +1.3% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	80%
Loans	$21.7M -2.6% YoY-2.1% QoQ	+$6.4M	$15.3M -2.0% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	73%
Deposits	$51.7M +5.7% YoY+9.0% QoQ	+$25.9M	$25.8M +0.7% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +6.0% YoY-31.9% QoQ	+0.2%	0.1% -77.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	38%
NIM	3.1% -0.8% YoY-6.3% QoQ	-0.9%	4.0% +4.0% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	92.7% +3.7% YoY+5.7% QoQ	+2.1%	90.6% +6.5% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	0.6% +16.1% YoY+31.4% QoQ	-0.9	1.5% +3.8% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	50%
Loan To Share	42.0% -7.8% YoY-10.2% QoQ	-16.5%	58.5% -3.0% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	24%
AMR	$13,120 +5.0% YoY+5.3% QoQ	$-2K	$14,884 -1.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	46%
CD Concentration	11.5% +6.9% YoY+12.6% QoQ	-12.8%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

262

Total Members

engagement

Value: 5,595

Peer Median: 1,918

#262 of 2508 Top 10.4% in <100M tier

267

Net Charge-Off Rate

risk

Value: -0.08%

Peer Median: 0.07%

#267 of 2508 Top 10.6% in <100M tier

415

Asset Growth Rate

growth

Value: 6.60%

Peer Median: 1.30%

#415 of 2508 Top 16.5% in <100M tier

423

Total Deposits

balance_sheet

Value: $51.69M

Peer Median: $18.77M

#423 of 2508 Top 16.8% in <100M tier

460

Members Per Employee (MPE)

engagement

Value: 466.250

Peer Median: 333.750

#460 of 2508 Top 18.3% in <100M tier

493

Total Assets

balance_sheet

Value: $55.75M

Peer Median: $21.86M

#493 of 2508 Top 19.6% in <100M tier

519

Deposit Growth Rate

growth

Value: 5.66%

Peer Median: 0.66%

#519 of 2508 Top 20.7% in <100M tier

Top Weaknesses (3 metrics)

2365

Net Worth Ratio

risk

Value: 8.23%

Peer Median: 14.28%

#2365 of 2508 Bottom 5.7% in <100M tier

1986

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: 3.83%

#1986 of 2508 Bottom 20.9% in <100M tier

1900

Loan-to-Share Ratio

balance_sheet

Value: 42.01%

Peer Median: 58.72%

#1900 of 2508 Bottom 24.3% in <100M tier