BlastPoint's Credit Union Scorecard
CHICAGO AREA OFFICE
Charter #5045 · IL
CHICAGO AREA OFFICE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Net Charge-Off Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 2.09% below tier average
- - Efficiency ratio 51.36% above tier (higher cost structure)
- - Delinquency rate 3.92% above tier average
- - Member decline: -2.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,254
-2.2% YoY-0.6% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$9.5M
-1.1% YoY+3.7% QoQ
|
$-20.7M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$2.6M
-8.0% YoY-5.2% QoQ
|
$-12.6M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$7.5M
-0.0% YoY+5.2% QoQ
|
$-18.3M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
-1.9%
+13.4% YoY+71.7% QoQ
|
-2.1% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.9% in tier |
| NIM |
4.3%
-2.7% YoY-4.8% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
142.0%
+24.7% YoY+36.2% QoQ
|
+51.4% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
5.4%
-5.5% YoY+39.0% QoQ
|
+3.9 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.5% in tier |
| Loan To Share |
35.4%
-8.0% YoY-9.9% QoQ
|
-23.1% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$8,065
-0.1% YoY+2.8% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
4.8%
-34.9% YoY-4.8% QoQ
|
-19.5% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 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)