BlastPoint's Credit Union Scorecard
GREAT LAKES
Charter #60238 · IL
GREAT LAKES has 5 strengths but faces 11 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 1.5% in tier
- + Organic Growth Engine: Top 7.6% in tier
- + Net Interest Margin 0.23% above tier average
- + Strong member growth: 16.6% YoY
- + Member Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 9.3% in tier
- - Efficiency Drag: Bottom 26.4% in tier
- - Liquidity Strain: Bottom 34.2% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 9.17% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
- - AMR Growth Rate: Bottom 1.6% in tier
- - First Mortgage Concentration (%): Bottom 4.3% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
110,606
+16.6% YoY-0.3% QoQ
|
+11.9K |
98,678
-1.9% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$1.4B
-3.5% YoY-2.6% QoQ
|
$-296.6M |
$1.7B
+0.5% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$1.1B
-6.1% YoY-1.6% QoQ
|
$-131.6M |
$1.2B
+0.5% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$1.2B
+2.7% YoY-2.4% QoQ
|
$-251.4M |
$1.5B
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
0.5%
+201.3% YoY-2.1% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
3.5%
+44.7% YoY+24.8% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
83.1%
-11.3% YoY-0.4% QoQ
|
+9.2% |
74.0%
-10.9% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
1.2%
+19.2% YoY-1.6% QoQ
|
+0.3 |
0.8%
+6.1% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
91.6%
-8.5% YoY+0.8% QoQ
|
+6.4% |
85.2%
-0.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$20,834
-15.7% YoY-1.8% QoQ
|
$-8K |
$29,172
+2.8% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
24.4%
+3.7% YoY+8.8% QoQ
|
-4.6% |
29.0%
+0.7% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
30% |
| Indirect Auto % |
1.9%
+12.5% YoY-10.6% QoQ
|
-16.9% |
18.8%
-3.0% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
20% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)