BlastPoint's Credit Union Scorecard
I. H. MISSISSIPPI VALLEY
Charter #60337 · IL
I. H. MISSISSIPPI VALLEY has 2 strengths but faces 5 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
- + ROA 0.29% above tier average
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 32.5% in tier
- - Indirect Auto Dependency: Bottom 73.9% in tier
- - Stagnation Risk: Bottom 79.3% in tier
- - Membership Headwinds: Bottom 79.3% in tier
- - Indirect Auto Concentration (%): Bottom 6.7% in tier
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 +3.0% year over year ($2.02B in shares and deposits).
- Membership: 149,553 members, -1.0% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 1.11%.
- Efficiency ratio 68.65% vs a 73.02% peer average.
- Loan-to-share ratio 93.47% 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 |
149,553
-1.0% YoY-0.1% QoQ
|
+52.7K |
96,861
-1.9% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Top 12.0% in tier |
| Assets |
$2.3B
+2.6% YoY-1.5% QoQ
|
+$572.0M |
$1.7B
+0.4% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$1.9B
+2.2% YoY-1.3% QoQ
|
+$651.7M |
$1.2B
+0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Top 12.7% in tier |
| Deposits |
$2.0B
+3.0% YoY-0.3% QoQ
|
+$554.3M |
$1.5B
+0.5% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
1.1%
-349.6% YoY+9.0% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
3.6%
+4.0% YoY+1.8% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
68.7%
+4.7% YoY-0.6% QoQ
|
-4.4% |
73.0%
-2.7% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.9%
-63.3% YoY+13.0% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
93.5%
-0.8% YoY-0.9% QoQ
|
+8.8% |
84.7%
+0.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$26,102
+3.7% YoY-0.7% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
34.8%
-15.5% YoY-4.2% QoQ
|
+5.8% | 29.1% | 14.0% | 20.0% | 75% |
| Indirect Auto % |
46.3%
-15.5% YoY-4.2% QoQ
|
+28.2% | 18.1% | 6.8% | 7.7% | Bottom 6.7% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)