BlastPoint's Credit Union Scorecard
KANKAKEE FEDERATION OF TEACHERS
Charter #60198 · IL
2596 CUs in <100M nationally
143 in IL
KANKAKEE FEDERATION OF TEACHERS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.61% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,303
-0.2% YoY+0.3% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$10.4M
-2.4% YoY+1.8% QoQ
|
$-19.5M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$7.4M
-5.4% YoY+1.8% QoQ
|
$-8.4M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$9.0M
-3.2% YoY+1.3% QoQ
|
$-16.4M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
34% |
| ROA |
1.6%
-3.3% YoY-16.5% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
3.1%
-3.8% YoY-6.9% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
50.1%
+0.4% YoY+13.4% QoQ
|
-31.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.4% in tier |
| Delinquency Rate |
4.1%
-10.3% YoY-15.1% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 8.0% in tier |
| Loan To Share |
81.5%
-2.3% YoY+0.5% QoQ
|
+20.3% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$12,577
-4.1% YoY+1.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
27.6%
+11.3% YoY+7.3% QoQ
|
+3.2% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
166
Efficiency Ratio
profitability
Value:
50.07%
Peer Avg: 81.39%
#166 of 2596
Top 6.4% in <100M tier
462
Return on Assets (ROA)
profitability
Value:
1.60%
Peer Avg: 0.68%
#462 of 2596
Top 17.8% in <100M tier
532
Loan-to-Share Ratio
balance_sheet
Value:
81.51%
Peer Avg: 61.23%
#532 of 2596
Top 20.5% in <100M tier
Top Weaknesses (7 metrics)
2390
Total Delinquency Rate (60+ days)
risk
Value:
4.12%
Peer Avg: 1.51%
#2390 of 2596
Bottom 8.0% in <100M tier
2171
Net Charge-Off Rate
risk
Value:
0.89%
Peer Avg: 0.57%
#2171 of 2596
Bottom 16.4% in <100M tier
2083
Net Interest Margin (NIM)
profitability
Value:
3.06%
Peer Avg: 3.93%
#2083 of 2596
Bottom 19.8% in <100M tier
2081
Fee Income Per Member
profitability
Value:
$10.98
Peer Avg: $182.96
#2081 of 2596
Bottom 19.9% in <100M tier
2077
Share Certificate Concentration (%)
balance_sheet
Value:
27.61%
Peer Avg: 15.37%
#2077 of 2596
Bottom 20.0% in <100M tier
2072
AMR Growth Rate
growth
Value:
-4.08%
Peer Avg: 4.67%
#2072 of 2596
Bottom 20.2% in <100M tier
1960
Asset Growth Rate
growth
Value:
-2.44%
Peer Avg: 1.82%
#1960 of 2596
Bottom 24.5% in <100M tier