BlastPoint's Credit Union Scorecard
HAULPAK
Charter #4025 · IL
2596 CUs in <100M nationally
143 in IL
HAULPAK has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.28% 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 2.5% in tier
- + Net Worth Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 7.54% above tier (higher cost structure)
- - Delinquency rate 4.76% above tier average
- - Deposit Growth Rate: Bottom 4.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
- - Asset Growth Rate: Bottom 6.7% in tier
- - Total Deposits: Bottom 8.8% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
- - AMR Growth Rate: Bottom 9.4% in tier
- - Total Assets: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
483
-1.6% YoY-1.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 13.3% in tier |
| Assets |
$2.0M
-8.9% YoY-3.7% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.8% in tier |
| Loans |
$1.0M
-5.3% YoY+5.1% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.7% in tier |
| Deposits |
$1.4M
-13.5% YoY-5.6% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.8% in tier |
| ROA |
0.6%
+81.2% YoY+8.9% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
6.2%
+9.8% YoY+3.6% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
88.9%
+3.8% YoY+1.8% QoQ
|
+7.5% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
6.3%
+1681.0% YoY+157.9% QoQ
|
+4.8 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 4.2% in tier |
| Loan To Share |
74.3%
+9.6% YoY+11.3% QoQ
|
+13.0% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$4,934
-8.7% YoY+0.1% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.1% in tier |
| 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 (6 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
67
Net Charge-Off Rate
risk
Value:
-0.22%
Peer Avg: 0.57%
#67 of 2596
Top 2.5% in <100M tier
86
Net Interest Margin (NIM)
profitability
Value:
6.22%
Peer Avg: 3.93%
#86 of 2596
Top 3.3% in <100M tier
140
Net Worth Ratio
risk
Value:
31.41%
Peer Avg: 16.43%
#140 of 2596
Top 5.4% in <100M tier
Top Weaknesses (12 metrics)
2493
Deposit Growth Rate
growth
Value:
-13.53%
Peer Avg: 16.80%
#2493 of 2596
Bottom 4.0% in <100M tier
2488
Total Delinquency Rate (60+ days)
risk
Value:
6.27%
Peer Avg: 1.51%
#2488 of 2596
Bottom 4.2% in <100M tier
2423
Asset Growth Rate
growth
Value:
-8.88%
Peer Avg: 1.82%
#2423 of 2596
Bottom 6.7% in <100M tier
2368
Total Deposits
balance_sheet
Value:
$1.37M
Peer Avg: $25.45M
#2368 of 2596
Bottom 8.8% in <100M tier
2359
Average Member Relationship (AMR)
engagement
Value:
$4,934
Peer Avg: $14,627
#2359 of 2596
Bottom 9.2% in <100M tier
2353
AMR Growth Rate
growth
Value:
-8.70%
Peer Avg: 4.67%
#2353 of 2596
Bottom 9.4% in <100M tier
2341
Total Assets
balance_sheet
Value:
$1.99M
Peer Avg: $29.86M
#2341 of 2596
Bottom 9.9% in <100M tier
2292
Total Loans
balance_sheet
Value:
$1.02M
Peer Avg: $15.77M
#2292 of 2596
Bottom 11.7% in <100M tier
2251
Total Members
engagement
Value:
483
Peer Avg: 2,626
#2251 of 2596
Bottom 13.3% in <100M tier
2234
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,103
Peer Avg: $5,488
#2234 of 2596
Bottom 14.0% in <100M tier