BlastPoint's Credit Union Scorecard
AMBRAW
Charter #567 · IL
AMBRAW has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Charge-Off Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
- - Loan Growth Rate: Bottom 2.6% in tier
- - Loan-to-Share Ratio: Bottom 3.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,001
-2.6% YoY+0.2% QoQ
|
-675 |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$16.8M
+1.1% YoY-1.1% QoQ
|
$-13.4M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$2.4M
-30.5% YoY-13.7% QoQ
|
$-12.8M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$15.1M
+0.7% YoY-1.2% QoQ
|
$-10.7M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
0.4%
-36.2% YoY-40.2% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
3.4%
+7.0% YoY-1.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
90.2%
+7.8% YoY+6.9% QoQ
|
-0.5% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.5%
+177.9% YoY+3.7% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
16.2%
-31.0% YoY-12.6% QoQ
|
-42.3% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.3% in tier |
| AMR |
$8,773
-2.7% YoY-3.4% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
8.5%
-21.3% YoY+12.2% QoQ
|
-15.8% | 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)