BlastPoint's Credit Union Scorecard
VICINITY
Charter #60041 · IL
VICINITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.99% below tier average
- - Efficiency ratio 31.54% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,576
-7.1% YoY-5.9% QoQ
|
+2.4K |
15,145
-2.5% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$201.2M
-23.7% YoY+0.6% QoQ
|
$-30.5M |
$231.7M
+0.8% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$90.9M
-11.7% YoY-5.9% QoQ
|
$-53.2M |
$144.1M
+0.2% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$190.1M
-7.5% YoY+1.0% QoQ
|
$-11.0M |
$201.1M
+0.4% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
56% |
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| ROA |
-0.3%
-85.1% QoQ
|
-1.0% |
0.7%
+5.1% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.5% in tier |
| NIM |
3.0%
+39.4% YoY-1.3% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.4% in tier |
| Efficiency Ratio |
109.6%
+17.6% YoY-13.5% QoQ
|
+31.5% |
78.0%
-1.7% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate |
0.4%
-72.7% YoY-42.5% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
47.8%
-4.6% YoY-6.9% QoQ
|
-22.6% |
70.4%
-0.4% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.8% in tier |
| AMR |
$15,993
-1.9% YoY+4.8% QoQ
|
$-9K |
$24,918
+2.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.5% in tier |
| CD Concentration |
2.1%
-74.4% YoY-0.7% QoQ
|
-22.2% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % |
10.8%
-42.4% YoY-8.3% QoQ
|
-3.0% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)