BlastPoint's Credit Union Scorecard
FIELDSTONE
Charter #60325 · IL
FIELDSTONE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Deposit Growth Rate: Top 1.9% in tier
- + Asset Growth Rate: Top 3.7% in tier
- + AMR Growth Rate: Top 6.9% in tier
- + Fee Income Per Member: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below 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 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits +18.7% year over year ($54.4M in shares and deposits).
- Membership: 4,843 members, +0.2% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 1.15%.
- Efficiency ratio 75.87% vs a 88.77% peer average.
- Loan-to-share ratio 56.24% vs a 58.89% 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 |
4,843
+0.2% YoY+1.5% QoQ
|
+2.3K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Top 14.4% in tier |
| Assets |
$61.7M
+13.3% YoY+4.8% QoQ
|
+$31.4M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$30.6M
+4.3% YoY+7.8% QoQ
|
+$15.1M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$54.4M
+18.7% YoY+5.7% QoQ
|
+$28.6M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
1.2%
+40.0% YoY+235.7% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
4.2%
-1.5% YoY+2.8% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
75.9%
-0.1% YoY-11.8% QoQ
|
-12.9% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
0.7%
-45.6% YoY-9.8% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
56.2%
-12.1% YoY+2.0% QoQ
|
-2.6% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$17,543
+12.8% YoY+4.8% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
7.8%
+19.9% YoY+3.4% QoQ
|
-16.8% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)