BlastPoint's Credit Union Scorecard

MATERNITY B.V.M.

Charter #60212 · IL

<100M

2508 CUs in <100M nationally 137 in IL

MATERNITY B.V.M. faces 6 concerns requiring attention

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.80% below tier average
- Efficiency ratio 15.11% above tier (higher cost structure)
- Member decline: -3.7% YoY
- Net Interest Margin (NIM): Bottom 6.5% in tier
- Asset Growth Rate: Bottom 8.0% in tier
- Deposit Growth Rate: Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	1,081 -3.7% YoY-0.4% QoQ	-1.6K	2,676 +1.6% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	30%
Assets	$11.3M -7.6% YoY-2.7% QoQ	$-18.9M	$30.2M +1.3% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	34%
Loans	$6.7M -3.4% YoY+4.7% QoQ	$-8.6M	$15.3M -2.0% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	41%
Deposits	$9.8M -8.6% YoY-3.1% QoQ	$-15.9M	$25.8M +0.7% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.7% +38.4% YoY+271.2% QoQ	-0.8%	0.1% -77.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Bottom 11.3% in tier
NIM	2.4% -4.9% YoY-17.2% QoQ	-1.6%	4.0% +4.0% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	Bottom 6.4% in tier
Efficiency Ratio	105.7% +7.7% YoY+19.8% QoQ	+15.1%	90.6% +6.5% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Bottom 12.1% in tier
Delinquency Rate	0.7% -55.7% YoY+13.9% QoQ	-0.8	1.5% +3.8% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	50%
Loan To Share	67.7% +5.7% YoY+8.0% QoQ	+9.2%	58.5% -3.0% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	64%
AMR	$15,270 -3.1% YoY+0.3% QoQ	+$386	$14,884 -1.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	57%
CD Concentration	21.9% +14.5% YoY+2.2% QoQ	-2.3%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (6 metrics)

2347

Net Interest Margin (NIM)

profitability

Value: 2.37%

Peer Median: 3.83%

#2347 of 2508 Bottom 6.5% in <100M tier

2308

Asset Growth Rate

growth

Value: -7.65%

Peer Median: 1.30%

#2308 of 2508 Bottom 8.0% in <100M tier

2298

Deposit Growth Rate

growth

Value: -8.63%

Peer Median: 0.66%

#2298 of 2508 Bottom 8.4% in <100M tier

2225

Return on Assets (ROA)

profitability

Value: -0.66%

Peer Median: 0.61%

#2225 of 2508 Bottom 11.3% in <100M tier

2205

Efficiency Ratio

profitability

Value: 105.74%

Peer Median: 81.45%

#2205 of 2508 Bottom 12.1% in <100M tier

1892

AMR Growth Rate

growth

Value: -3.06%

Peer Median: 1.27%

#1892 of 2508 Bottom 24.6% in <100M tier