BlastPoint's Credit Union Scorecard
VICINITY
Charter #60041 · IL
VICINITY has 1 strength but faces 15 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
- - Shrinking Wallet Share: Bottom 10.6% in tier
- - Accelerating Exit Risk: Bottom 18.2% in tier
- - Efficiency Drag: Bottom 29.6% in tier
- - Stagnation Risk: Bottom 31.8% in tier
- - Institutional Decline: Bottom 40.2% in tier
- - Membership Headwinds: Bottom 67.8% in tier
- - ROA 2.51% below tier average
- - Efficiency ratio 49.58% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 0.3% in tier
- - Deposit Growth Rate: Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
- - AMR Growth Rate: Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 4.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- - First Mortgage Concentration (%): 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 |
18,678
-1.8% YoY-0.2% QoQ
|
+3.2K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$200.1M
-27.3% YoY-0.8% QoQ
|
$-31.8M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$96.7M
-11.8% YoY+5.0% QoQ
|
$-50.7M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$188.3M
-8.6% YoY-1.2% QoQ
|
$-12.5M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
-1.8%
+4207.5% YoY+101.3% QoQ
|
-2.5% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.4% in tier |
| NIM |
3.0%
+22.5% YoY+15.9% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
126.6%
+46.6% YoY+16.8% QoQ
|
+49.6% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 0.4% in tier |
| Delinquency Rate |
0.7%
-60.1% YoY-46.8% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
51.4%
-3.5% YoY+6.3% QoQ
|
-20.9% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.9% in tier |
| AMR |
$15,255
-8.1% YoY+1.0% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.6% in tier |
| CD Concentration |
2.1%
-81.4% YoY-30.4% QoQ
|
-22.3% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
11.8%
-40.6% YoY-17.6% QoQ
|
-2.0% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)