BlastPoint's Credit Union Scorecard
CHICAGO AREA OFFICE
Charter #5045 · IL
CHICAGO AREA OFFICE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.75% below tier average
- - Efficiency ratio 21.66% above tier (higher cost structure)
- - Delinquency rate 2.35% above tier average
- - Member decline: -5.7% YoY
- - Net Charge-Off Rate: Bottom 8.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,261
-5.7% YoY-0.6% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$9.2M
-3.0% YoY-2.2% QoQ
|
$-21.0M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$2.8M
-9.7% YoY-2.6% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$7.1M
-2.4% YoY-2.7% QoQ
|
$-18.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
-1.1%
+478.3% YoY-22.5% QoQ
|
-1.8% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.2% in tier |
| NIM |
4.5%
-1.4% YoY-0.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
104.2%
+4.5% YoY-0.6% QoQ
|
+21.7% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 8.5% in tier |
| Delinquency Rate |
3.9%
-31.0% YoY+51.7% QoQ
|
+2.3 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 9.0% in tier |
| Loan To Share |
39.3%
-7.5% YoY+0.1% QoQ
|
-21.3% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$7,842
+1.1% YoY-2.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
5.0%
-34.0% YoY-29.4% QoQ
|
-19.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)