BlastPoint's Credit Union Scorecard

VICINITY

Charter #60041 · IL

100M-500M

1024 CUs in 100M-500M nationally 24 in IL

VICINITY has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

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

- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: 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 0.58% below tier average
- Efficiency ratio 36.06% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Illinois.
Shares and deposits -5.5% year over year ($193M in shares and deposits).
Membership: 17,491 members, -6.4% vs a year ago.
Delinquency rate 0.92%.
Return on assets 0.28%.
Efficiency ratio 112.79% vs a 76.73% peer average.
Loan-to-share ratio 44.97% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	17,491 -6.4% YoY-0.5% QoQ	+2.3K	15,168 -2.6% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	68%
Assets	$203.9M -22.1% YoY+1.4% QoQ	$-28.1M	$232.0M +0.7% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	52%
Loans	$86.7M -10.9% YoY-4.7% QoQ	$-59.6M	$146.3M +0.2% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	26%
Deposits	$192.7M -5.5% YoY+1.4% QoQ	$-8.0M	$200.7M +0.2% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	57%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -141.3% YoY-207.9% QoQ	-0.6%	0.9% +12.5% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	Bottom 13.2% in tier
NIM	3.0% +34.5% YoY+2.1% QoQ	-0.7%	3.7% +4.5% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	Bottom 14.5% in tier
Efficiency Ratio	112.8% +11.8% YoY+2.9% QoQ	+36.1%	76.7% -0.8% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	Bottom 0.6% in tier
Delinquency Rate	0.9% -37.4% YoY+120.6% QoQ	+0.0	0.9% +6.6% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	65%
Loan To Share	45.0% -5.7% YoY-6.0% QoQ	-26.6%	71.5% -0.3% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	Bottom 7.1% in tier
AMR	$15,973 -0.9% YoY-0.1% QoQ	$-9K	$25,107 +3.2% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	Bottom 12.7% in tier
CD Concentration	2.1% -55.7% YoY-1.6% QoQ	-22.5%	24.6%	14.0%	20.0%	50%
Indirect Auto %	9.7% -38.9% YoY-10.4% QoQ	-3.9%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#21 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.36%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -10.89%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.92%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#19 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $203.93M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -6.36%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -10.89%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY

Membership Headwinds

decline

#91 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.36%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#21 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -6.36%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -0.95%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | Rank worsening

Efficiency Drag

risk

#321 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 112.79%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.96% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -6.36%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#190 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.95%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 2.09%

Peer Median: 23.39%

#26 of 1024 Top 2.4% in 100M-500M tier

147

Members Per Employee (MPE)

engagement

Value: 426.610

Peer Median: 310.924

#147 of 1024 Top 14.3% in 100M-500M tier

Top Weaknesses (14 metrics)

1023

Asset Growth Rate

growth

Value: -22.08%

Peer Median: 4.12%

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1019

Efficiency Ratio

profitability

Value: 112.79%

Peer Median: 77.26%

#1019 of 1024 Bottom 0.6% in 100M-500M tier

1006

Loan Growth Rate

growth

Value: -10.89%

Peer Median: 3.02%

#1006 of 1024 Bottom 1.9% in 100M-500M tier

1003

Deposit Growth Rate

growth

Value: -5.50%

Peer Median: 3.58%

#1003 of 1024 Bottom 2.1% in 100M-500M tier

986

Fee Income Per Member

profitability

Value: $56.81

Peer Median: $159.88

#986 of 1024 Bottom 3.8% in 100M-500M tier

981

Net Worth Ratio

risk

Value: 8.19%

Peer Median: 11.71%

#981 of 1024 Bottom 4.3% in 100M-500M tier

972

Loan-to-Member Ratio (LMR)

engagement

Value: $4,955

Peer Median: $9,434

#972 of 1024 Bottom 5.2% in 100M-500M tier

961

First Mortgage Concentration (%)

balance_sheet

Value: 59.86%

Peer Median: 29.92%

#961 of 1024 Bottom 6.2% in 100M-500M tier

953

Member Growth Rate

growth

Value: -6.36%

Peer Median: -0.03%

#953 of 1024 Bottom 7.0% in 100M-500M tier

951

Loan-to-Share Ratio

balance_sheet

Value: 44.97%

Peer Median: 73.07%

#951 of 1024 Bottom 7.2% in 100M-500M tier