BlastPoint's Credit Union Scorecard

GREAT LAKES

Charter #60238 · IL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 9 in IL

View Mid-Market leaderboard →

GREAT LAKES faces 8 concerns requiring attention

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

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

- Efficiency Drag: Bottom 11.0% in tier
- Institutional Decline: Bottom 68.1% in tier
- Stagnation Risk: Bottom 97.6% in tier
- Membership Headwinds: Bottom 97.6% in tier
- ROA 0.45% below tier average
- Efficiency ratio 11.07% above tier (higher cost structure)
- Delinquency rate 0.06% above tier average
- Member decline: -9.2% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	100,458 -9.2% YoY-2.7% QoQ	+4.4K	96,048 -2.7% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	64%
Assets	$1.4B -6.1% YoY+2.5% QoQ	$-278.3M	$1.7B +0.4% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	40%
Loans	$1.1B -6.7% YoY-2.0% QoQ	$-146.5M	$1.2B +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	46%
Deposits	$1.2B -3.8% YoY+2.8% QoQ	$-242.0M	$1.5B +0.5% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	42%

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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	0.3% -17.0% YoY-32.4% QoQ	-0.4%	0.7% +27.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Bottom 13.4% in tier
NIM	3.1% +14.0% YoY-9.9% QoQ	-0.2%	3.4% +6.2% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	85.7% -1.0% YoY+3.7% QoQ	+11.1%	74.6% -3.0% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Bottom 12.1% in tier
Delinquency Rate	0.8% -11.1% YoY-43.9% QoQ	+0.1	0.8% +6.9% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	69%
Loan To Share	87.2% -2.9% YoY-4.6% QoQ	+4.0%	83.2% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	56%
AMR	$22,804 +4.4% YoY+3.3% QoQ	$-7K	$29,652 +2.3% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	18%
CD Concentration	25.5% +12.2% YoY+0.9% QoQ	-3.3%	28.8%	14.0%	19.8%	38%
Indirect Auto %	0.6% -75.4% YoY-6.2% QoQ	-17.5%	18.1%	7.2%	7.7%	17%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#4 of 91 • Bottom 97.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.20%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.67%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.82%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Institutional Decline

decline

#4 of 31 • Bottom 68.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.44B

(Tier: $2.16B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -9.20%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.67%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

Membership Headwinds

decline

#10 of 91 • Bottom 97.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -9.20%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Efficiency Drag

risk

#43 of 100 • Bottom 11.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.70%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.06% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -9.20%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.55%

Peer Median: 13.86%

#59 of 306 Top 19.0% in 1B-3B tier

Top Weaknesses (10 metrics)

301

Asset Growth Rate

growth

Value: -6.14%

Peer Median: 4.82%

#301 of 306 Bottom 2.0% in 1B-3B tier

298

Member Growth Rate

growth

Value: -9.20%

Peer Median: 2.03%

#298 of 306 Bottom 2.9% in 1B-3B tier

297

Loan Growth Rate

growth

Value: -6.67%

Peer Median: 5.67%

#297 of 306 Bottom 3.3% in 1B-3B tier

294

Deposit Growth Rate

growth

Value: -3.85%

Peer Median: 4.44%

#294 of 306 Bottom 4.2% in 1B-3B tier

292

First Mortgage Concentration (%)

balance_sheet

Value: 60.96%

Peer Median: 33.05%

#292 of 306 Bottom 4.9% in 1B-3B tier

273

Net Worth Ratio

risk

Value: 8.89%

Peer Median: 10.85%

#273 of 306 Bottom 11.1% in 1B-3B tier

270

Efficiency Ratio

profitability

Value: 85.70%

Peer Median: 75.16%

#270 of 306 Bottom 12.1% in 1B-3B tier

265

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.66%

#265 of 306 Bottom 13.7% in 1B-3B tier

252

Average Member Relationship (AMR)

engagement

Value: $22,804

Peer Median: $28,178

#252 of 306 Bottom 18.0% in 1B-3B tier

239

Loan-to-Member Ratio (LMR)

engagement

Value: $10,624

Peer Median: $12,733

#239 of 306 Bottom 22.2% in 1B-3B tier