BlastPoint's Credit Union Scorecard
VICINITY
Charter #60041 · IL
VICINITY has 1 strength but faces 19 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Share Certificate Concentration (%): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 0.8% in tier
- - Shrinking Wallet Share: Bottom 1.6% in tier
- - Institutional Decline: Bottom 7.2% in tier
- - Efficiency Drag: Bottom 12.5% in tier
- - Membership Headwinds: Bottom 14.2% in tier
- - Stagnation Risk: Bottom 32.4% in tier
- - ROA 1.66% below tier average
- - Efficiency ratio 31.14% above tier (higher cost structure)
- - Delinquency rate 0.51% above tier average
- - Member decline: -2.9% YoY
- - Asset Growth Rate: Bottom 0.5% in tier
- - Loan Growth Rate: Bottom 0.5% in tier
- - Deposit Growth Rate: Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 1.4% in tier
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - First Mortgage Concentration (%): Bottom 6.1% in tier
- - Net Interest Margin (NIM): Bottom 7.7% in tier
- - Loan-to-Share Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,713
-2.9% YoY+0.2% QoQ
|
+3.1K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$201.7M
-27.9% YoY-22.9% QoQ
|
$-29.6M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$92.1M
-20.8% YoY-5.3% QoQ
|
$-55.7M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$190.6M
-11.0% YoY-6.5% QoQ
|
$-9.7M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
-0.9%
-2755.2% YoY+27.8% QoQ
|
-1.7% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.2% in tier |
| NIM |
2.6%
+7.5% YoY+15.1% QoQ
|
-1.0% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio |
108.4%
+25.2% YoY+7.4% QoQ
|
+31.1% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.0% in tier |
| Delinquency Rate |
1.4%
-14.6% YoY-7.3% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
48.3%
-11.1% YoY+1.3% QoQ
|
-24.4% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.4% in tier |
| AMR |
$15,105
-11.9% YoY-6.3% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.1% in tier |
| CD Concentration |
3.1%
-76.4% YoY-34.8% QoQ
|
-21.3% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
14.4%
-38.7% YoY-9.8% QoQ
|
+0.4% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (6)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)