BlastPoint's Credit Union Scorecard
SIU
Charter #60279 · IL
SIU has 7 strengths but faces 4 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
- + Wallet Share Momentum: Top 20.6% in tier
- + Organic Growth Engine: Top 24.8% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.16% above tier average
- + Loan Growth Rate: Top 5.3% in tier
- + First Mortgage Concentration (%): Top 5.3% in tier
- + AMR Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.7% in tier
- - Credit Risk Growth: Bottom 6.6% in tier
- - Credit Quality Pressure: Bottom 18.8% in tier
- - Indirect Auto Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,632
+1.9% YoY+1.8% QoQ
|
+5.9K |
39,752
-2.7% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$543.2M
+9.3% YoY+0.2% QoQ
|
$-79.2M |
$622.4M
+0.3% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$385.2M
+18.2% YoY+5.7% QoQ
|
$-50.8M |
$435.9M
-0.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$476.3M
+8.7% YoY-0.1% QoQ
|
$-61.7M |
$538.0M
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
1.0%
+10.8% YoY-0.1% QoQ
|
+0.3% |
0.7%
+33.9% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.6%
+10.7% YoY+1.3% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
68.9%
-4.1% YoY-1.9% QoQ
|
-9.2% |
78.1%
-3.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
0.7%
+20.0% YoY+55.7% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
80.9%
+8.8% YoY+5.9% QoQ
|
-0.2% |
81.0%
-1.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$18,880
+10.7% YoY+0.6% QoQ
|
$-8K |
$26,482
+2.6% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.1% in tier |
| CD Concentration |
23.3%
+6.9% YoY+7.6% QoQ
|
-1.1% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
46% |
| Indirect Auto % |
43.0%
+5.4% YoY+0.2% QoQ
|
+29.1% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
Top 7.1% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)