BlastPoint's Credit Union Scorecard
HAULPAK
Charter #4025 · IL
2556 CUs in <100M nationally
138 in IL
HAULPAK has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.34% 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 Worth Ratio: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 4.73% above tier (higher cost structure)
- - Delinquency rate 4.48% above tier average
- - Member decline: -2.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Total Deposits: Bottom 8.8% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
- - Total Assets: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
476
-2.1% YoY-1.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 12.7% in tier |
| Assets |
$2.0M
-3.2% YoY+1.9% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.7% in tier |
| Loans |
$959,678
-8.5% YoY-5.5% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.0% in tier |
| Deposits |
$1.4M
-4.7% YoY+3.2% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.7% in tier |
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| ROA |
0.2%
-77.8% YoY-72.4% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
6.3%
+4.9% YoY+1.3% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
87.3%
+6.3% YoY-1.8% QoQ
|
+4.7% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
6.0%
+2811.9% YoY-3.8% QoQ
|
+4.5 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 4.7% in tier |
| Loan To Share |
68.0%
-4.0% YoY-8.5% QoQ
|
+7.4% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$4,982
-4.3% YoY+1.0% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
74
Net Interest Margin (NIM)
profitability
Value:
6.30%
Peer Median: -
#74 of 2556
Top 2.9% in <100M tier
146
Net Worth Ratio
risk
Value:
30.53%
Peer Median: -
#146 of 2556
Top 5.7% in <100M tier
Top Weaknesses (14 metrics)
2436
Total Delinquency Rate (60+ days)
risk
Value:
6.03%
Peer Median: -
#2436 of 2556
Bottom 4.7% in <100M tier
2333
Total Deposits
balance_sheet
Value:
$1.41M
Peer Median: -
#2333 of 2556
Bottom 8.8% in <100M tier
2323
Average Member Relationship (AMR)
engagement
Value:
$4,982
Peer Median: -
#2323 of 2556
Bottom 9.2% in <100M tier
2309
Total Assets
balance_sheet
Value:
$2.03M
Peer Median: -
#2309 of 2556
Bottom 9.7% in <100M tier
2298
Net Charge-Off Rate
risk
Value:
1.40%
Peer Median: -
#2298 of 2556
Bottom 10.1% in <100M tier
2274
Total Loans
balance_sheet
Value:
$959,678
Peer Median: -
#2274 of 2556
Bottom 11.1% in <100M tier
2230
Total Members
engagement
Value:
476
Peer Median: -
#2230 of 2556
Bottom 12.8% in <100M tier
2220
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,016
Peer Median: -
#2220 of 2556
Bottom 13.2% in <100M tier
2091
AMR Growth Rate
growth
Value:
-4.33%
Peer Median: -
#2091 of 2556
Bottom 18.2% in <100M tier
2083
Deposit Growth Rate
growth
Value:
-4.73%
Peer Median: -
#2083 of 2556
Bottom 18.5% in <100M tier