BlastPoint's Credit Union Scorecard

GREAT LAKES

Charter #60238 · IL

Mid-Market 1B-3B

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

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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Illinois.
Shares and deposits -2.1% year over year ($1.21B in shares and deposits).
Membership: 100,624 members, -9.3% vs a year ago.
Delinquency rate 1.26%.
Return on assets 0.38%.
Efficiency ratio 83.90% vs a 73.02% peer average.
Loan-to-share ratio 89.93% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

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%

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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% -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