BlastPoint's Credit Union Scorecard
MATERNITY B.V.M.
Charter #60212 · IL
MATERNITY B.V.M. faces 4 concerns requiring attention
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 5.71% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Net Charge-Off Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,085
-4.4% YoY-1.6% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$11.6M
-6.1% YoY-5.1% QoQ
|
$-18.5M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$6.4M
-8.3% YoY-5.2% QoQ
|
$-9.4M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$10.2M
-6.8% YoY-5.9% QoQ
|
$-15.5M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
-0.2%
-34.9% YoY-44.0% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.7% in tier |
| NIM |
2.9%
+29.2% YoY+3.7% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
15% |
| Efficiency Ratio |
88.3%
-19.8% YoY-2.5% QoQ
|
+5.7% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.6%
-16.4% YoY-41.3% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
62.7%
-1.6% YoY+0.7% QoQ
|
+2.1% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$15,228
-3.1% YoY-4.0% QoQ
|
+$445 |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
21.5%
-10.4% YoY-8.7% QoQ
|
-3.0% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)