BlastPoint's Credit Union Scorecard

GREAT LAKES

Charter #60238 · IL

Mid-Market 1B-3B

Great Lakes at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Great Lakes is one of 101 credit unions in the 2026 VentureTech card set. We also found Great Lakes's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Great Lakes

Turn your sound on

Tap a card to see it up close

GREAT LAKES
PEER · AT VENTURETECH
PEER · AT VENTURETECH
GREAT LAKES'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 8 in IL

View Mid-Market leaderboard →

GREAT LAKES has 1 strength but faces 8 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

+ Wallet Share Momentum: Top 18.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.4% in tier
- Credit Quality Pressure: Bottom 37.4% in tier
- Institutional Decline: Bottom 68.3% in tier
- Stagnation Risk: Bottom 97.6% in tier
- Membership Headwinds: Bottom 97.6% in tier
- ROA 0.44% below tier average
- Efficiency ratio 10.88% above tier (higher cost structure)
- Delinquency rate 0.40% above tier average

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	100,624 -9.3% YoY+0.2% QoQ	+3.8K	96,861 -1.9% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	62%
Assets	$1.4B -2.0% YoY-0.7% QoQ	$-292.2M	$1.7B +0.4% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	40%
Loans	$1.1B -3.0% YoY+1.7% QoQ	$-148.4M	$1.2B +0.7% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	46%
Deposits	$1.2B -2.1% YoY-1.3% QoQ	$-256.0M	$1.5B +0.5% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	42%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -24.2% YoY+40.2% QoQ	-0.4%	0.8% +27.6% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	16%
NIM	3.3% +18.1% YoY+6.1% QoQ	-0.1%	3.4% +6.6% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	38%
Efficiency Ratio	83.9% +0.5% YoY-2.1% QoQ	+10.9%	73.0% -2.7% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	Bottom 11.3% in tier
Delinquency Rate	1.3% +7.4% YoY+54.1% QoQ	+0.4	0.9% +7.3% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	80%
Loan To Share	89.9% -1.0% YoY+3.1% QoQ	+5.2%	84.7% +0.1% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	59%
AMR	$22,790 +7.4% YoY-0.1% QoQ	$-7K	$29,575 +1.5% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	17%
CD Concentration	26.4% +17.7% YoY+3.4% QoQ	-2.7%	29.1%	14.0%	20.0%	40%
Indirect Auto %	0.4% -79.3% YoY-22.0% QoQ	-17.7%	18.1%	6.8%	7.7%	15%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#67 of 125 • Top 18.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.42%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#3 of 86 • 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): -9.27%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.04%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.26%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Membership Headwinds

decline

#10 of 86 • 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): -9.27%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Institutional Decline

decline

#8 of 25 • Bottom 68.3% in tier

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

Why This Signature

Total Assets: $1.43B

(Tier: $2.16B, National: $593.11M)

worse than tier avg

Member Growth (YoY): -9.27%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.04%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

25 of 377 Mid-Market CUs have this signature | 261 nationally

↓ Shrinking -12 CUs YoY | New qualifier

Credit Quality Pressure

risk

#139 of 215 • Bottom 37.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk

#56 of 71 • Bottom 10.4% in tier

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

Why This Signature

Efficiency Ratio: 83.90%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -9.27%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.43%

Peer Median: 14.26%

#51 of 300 Top 16.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.42%

Peer Median: 3.19%

#57 of 300 Top 18.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.32%

Peer Median: 0.52%

#76 of 300 Top 25.0% in 1B-3B tier

Top Weaknesses (11 metrics)

292

Member Growth Rate

growth

Value: -9.27%

Peer Median: 1.84%

#292 of 300 Bottom 3.0% in 1B-3B tier

287

Asset Growth Rate

growth

Value: -1.98%

Peer Median: 5.21%

#287 of 300 Bottom 4.7% in 1B-3B tier

284

First Mortgage Concentration (%)

balance_sheet

Value: 58.92%

Peer Median: 33.59%

#284 of 300 Bottom 5.7% in 1B-3B tier

281

Loan Growth Rate

growth

Value: -3.04%

Peer Median: 5.71%

#281 of 300 Bottom 6.7% in 1B-3B tier

279

Deposit Growth Rate

growth

Value: -2.08%

Peer Median: 4.79%

#279 of 300 Bottom 7.3% in 1B-3B tier

269

Net Worth Ratio

risk

Value: 9.07%

Peer Median: 10.91%

#269 of 300 Bottom 10.7% in 1B-3B tier

267

Efficiency Ratio

profitability

Value: 83.90%

Peer Median: 73.62%

#267 of 300 Bottom 11.3% in 1B-3B tier

251

Return on Assets (ROA)

profitability

Value: 0.38%

Peer Median: 0.77%

#251 of 300 Bottom 16.7% in 1B-3B tier

248

Average Member Relationship (AMR)

engagement

Value: $22,790

Peer Median: $28,089

#248 of 300 Bottom 17.7% in 1B-3B tier

242

Total Delinquency Rate (60+ days)

risk

Value: 1.26%

Peer Median: 0.70%

#242 of 300 Bottom 19.7% in 1B-3B tier