BlastPoint's Credit Union Scorecard
PONTIAC DWIGHT PRISON EMPLOYS
Charter #60299 · IL
PONTIAC DWIGHT PRISON EMPLOYS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan Growth Rate: Top 7.3% in tier
- + Net Charge-Off Rate: Top 7.3% in tier
- + AMR Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 8.04% above tier (higher cost structure)
- - Member decline: -2.0% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
921
-2.0% YoY-0.2% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$7.8M
+5.1% YoY-3.7% QoQ
|
$-22.3M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$3.1M
+13.1% YoY+1.0% QoQ
|
$-12.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$7.0M
+5.6% YoY-3.5% QoQ
|
$-18.7M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
0.2%
+4.2% YoY-80.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
2.1%
+10.3% YoY-13.0% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
90.6%
+0.6% YoY+56.6% QoQ
|
+8.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
44.7%
+7.1% YoY+4.7% QoQ
|
-15.9% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$10,932
+10.0% YoY-1.9% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)