BlastPoint's Credit Union Scorecard

GREAT LAKES

Charter #60238 · IL

Mid-Market 1B-3B

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

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GREAT LAKES has 1 strength but faces 16 concerns

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

+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.7% in tier
- Stagnation Risk: Bottom 23.8% in tier
- Shrinking Wallet Share: Bottom 47.4% in tier
- Institutional Decline: Bottom 65.5% in tier
- Accelerating Exit Risk: Bottom 66.7% in tier
- Efficiency Drag: Bottom 69.7% in tier
- Membership Headwinds: Bottom 70.2% in tier
- Liquidity Strain: Bottom 100.0% in tier
- ROA 0.28% below tier average
- Efficiency ratio 8.58% above tier (higher cost structure)
- Delinquency rate 0.56% above tier average
- Asset Growth Rate: Bottom 4.3% in tier
- Loan Growth Rate: Bottom 4.3% in tier
- First Mortgage Concentration (%): Bottom 5.0% in tier
- Deposit Growth Rate: Bottom 7.6% in tier
- AMR Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	103,253 -1.5% YoY-6.6% QoQ	+5.8K	97,431 -2.4% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	63%
Assets	$1.4B -5.3% YoY-1.2% QoQ	$-317.1M	$1.7B +0.9% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	37%
Loans	$1.1B -7.0% YoY-1.2% QoQ	$-145.8M	$1.2B +0.5% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	47%
Deposits	$1.2B -2.4% YoY-1.0% QoQ	$-268.8M	$1.5B +0.9% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	40%

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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	0.4% -288.4% YoY-18.3% QoQ	-0.3%	0.7% +20.9% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	23%
NIM	3.5% +37.1% YoY-1.0% QoQ	+0.2%	3.3% +9.2% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	59%
Efficiency Ratio	82.6% -17.5% YoY-0.6% QoQ	+8.6%	74.1% -9.5% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	Top 13.9% in tier
Delinquency Rate	1.5% +33.3% YoY+26.4% QoQ	+0.6	0.9% +6.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	Top 13.6% in tier
Loan To Share	91.4% -4.7% YoY-0.1% QoQ	+6.7%	84.8% -0.8% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	64%
AMR	$22,073 -3.2% YoY+5.9% QoQ	$-7K	$29,428 +2.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	Bottom 14.9% in tier
CD Concentration	25.3% +8.7% YoY+3.7% QoQ	-3.7%	29.0%	14.1%	19.8%	35%
Indirect Auto %	0.6% -73.4% YoY-68.4% QoQ	-17.7%	18.3%	7.1%	7.8%	16%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#34 of 211 • Bottom 15.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank worsening

Stagnation Risk

risk

#21 of 85 • Bottom 23.8% 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): -1.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -7.00%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.46%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Shrinking Wallet Share

decline

#38 of 79 • Bottom 47.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.21%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

Institutional Decline

decline

#20 of 30 • Bottom 65.5% in tier

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

Why This Signature

Total Assets: $1.41B

(Tier: $2.17B, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -7.00%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 CUs now) | New qualifier

Accelerating Exit Risk

decline

#7 of 10 • Bottom 66.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -3.21%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

10 of 378 Mid-Market CUs have this signature | 69 nationally

→ No prior data (10 CUs now) | New qualifier

Efficiency Drag

risk

#63 of 90 • Bottom 69.7% in tier

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

Why This Signature

Efficiency Ratio: 82.63%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.61% points

(Tier: 0.12% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank worsening

Membership Headwinds

decline

#60 of 85 • Bottom 70.2% in tier

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

Why This Signature

Member Growth (YoY): -1.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Liquidity Strain

risk

#166 of 166 • Bottom 100.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.44%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -7.00%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 302 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.59%

Peer Median: -

#57 of 302 Top 18.5% in 1B-3B tier

Top Weaknesses (12 metrics)

290

Asset Growth Rate

growth

Value: -5.34%

Peer Median: -

#290 of 302 Bottom 4.3% in 1B-3B tier

290

Loan Growth Rate

growth

Value: -7.00%

Peer Median: -

#290 of 302 Bottom 4.3% in 1B-3B tier

288

First Mortgage Concentration (%)

balance_sheet

Value: 61.12%

Peer Median: -

#288 of 302 Bottom 5.0% in 1B-3B tier

280

Deposit Growth Rate

growth

Value: -2.39%

Peer Median: -

#280 of 302 Bottom 7.6% in 1B-3B tier

273

AMR Growth Rate

growth

Value: -3.21%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

263

Net Worth Ratio

risk

Value: 9.04%

Peer Median: -

#263 of 302 Bottom 13.2% in 1B-3B tier

262

Total Delinquency Rate (60+ days)

risk

Value: 1.46%

Peer Median: -

#262 of 302 Bottom 13.6% in 1B-3B tier

261

Efficiency Ratio

profitability

Value: 82.63%

Peer Median: -

#261 of 302 Bottom 13.9% in 1B-3B tier

257

Average Member Relationship (AMR)

engagement

Value: $22,073

Peer Median: -

#257 of 302 Bottom 15.2% in 1B-3B tier

247

Member Growth Rate

growth

Value: -1.49%

Peer Median: -

#247 of 302 Bottom 18.5% in 1B-3B tier