BlastPoint's Credit Union Scorecard
HAULPAK
Charter #4025 · IL
HAULPAK has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.00% above tier average
- + Net Worth Ratio: Top 5.5% in tier
- + Net Charge-Off Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Delinquency rate 5.04% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - Total Deposits: Bottom 8.5% in tier
- - Total Assets: Bottom 9.4% 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 -3.0% year over year ($1.4M in shares and deposits).
- Membership: 483 members, -1.4% vs a year ago.
- Delinquency rate 6.59%.
- Return on assets 0.47%.
- Efficiency ratio 87.73% vs a 88.77% peer average.
- Loan-to-share ratio 62.02% 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 |
483
-1.4% YoY-0.2% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 13.0% in tier |
| Assets |
$2.0M
-2.0% YoY-3.3% QoQ
|
$-28.2M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.3% in tier |
| Loans |
$871,603
-9.8% YoY-2.8% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.5% in tier |
| Deposits |
$1.4M
-3.0% YoY-5.1% QoQ
|
$-24.4M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.5% in tier |
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| ROA |
0.5%
-14.4% YoY-620.5% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
5.9%
-1.7% YoY+0.7% QoQ
|
+2.0% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
87.7%
+0.4% YoY-10.8% QoQ
|
-1.0% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
6.6%
+170.9% YoY+2.5% QoQ
|
+5.0 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
62.0%
-7.1% YoY+2.4% QoQ
|
+3.1% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$4,714
-4.4% YoY-4.1% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.0% in tier |
| CD Concentration | 0.0% | -24.6% | 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)