BlastPoint's Credit Union Scorecard

I. H. MISSISSIPPI VALLEY

Charter #60337 · IL

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 9 in IL
View Mid-Market leaderboard →

I. H. MISSISSIPPI VALLEY has 2 strengths but faces 3 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

  • + ROA 0.30% above tier average
  • + Net Interest Margin 0.16% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 23.8% in tier
  • - Indirect Auto Dependency: Bottom 60.3% in tier
  • - Indirect Auto Concentration (%): Bottom 5.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 149,705
+0.4% YoY-0.1% QoQ
 +53.7K 96,048
-2.7% YoY
 22,133
+6.8% YoY
 33,913
+5.7% YoY
 Top 11.8% in tier
Assets $2.3B
+4.0% YoY+0.9% QoQ
 +$612.3M $1.7B
+0.4% YoY
 $406.0M
+9.7% YoY
 $578.3M
+9.0% YoY
 79%
Loans $1.9B
+5.1% YoY+0.1% QoQ
 +$696.5M $1.2B
+0.2% YoY
 $279.6M
+10.0% YoY
 $402.4M
+8.7% YoY
 Top 10.8% in tier
Deposits $2.0B
+2.1% YoY+3.9% QoQ
 +$559.0M $1.5B
+0.5% YoY
 $344.9M
+10.3% YoY
 $494.3M
+9.1% YoY
 81%

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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 1.0%
+422.4% YoY-452.2% QoQ
 +0.3% 0.7%
+27.6% YoY
 0.5%
-57.9% YoY
 0.4%
-39.2% YoY
 79%
NIM 3.5%
+2.4% YoY+1.2% QoQ
 +0.2% 3.4%
+6.2% YoY
 3.7%
-0.2% YoY
 3.8%
+4.1% YoY
 58%
Efficiency Ratio 69.1%
+4.0% YoY+5.8% QoQ
 -5.6% 74.6%
-3.0% YoY
 87.0%
+8.4% YoY
 84.6%
+2.8% YoY
 28%
Delinquency Rate 0.8%
-62.8% YoY-42.8% QoQ
 +0.0 0.8%
+6.9% YoY
 1.2%
+7.3% YoY
 1.2%
+3.4% YoY
 63%
Loan To Share 94.4%
+2.9% YoY-3.6% QoQ
 +11.2% 83.2%
-0.4% YoY
 60.2%
-0.9% YoY
 65.6%
-1.4% YoY
 79%
AMR $26,284
+3.1% YoY+2.1% QoQ
 $-3K $29,652
+2.3% YoY
 $15,723
+4.6% YoY
 $19,920
+1.6% YoY
 39%
CD Concentration 36.4%
-7.9% YoY-8.1% QoQ
 +7.5% 28.8% 14.0% 19.8% 81%
Indirect Auto % 48.3%
-11.6% YoY-1.0% QoQ
 +30.2% 18.1% 7.2% 7.7% Bottom 5.2% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk
#41 of 198 • Bottom 60.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.05%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 48.31%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 0.43%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk
#99 of 148 • Bottom 23.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.35%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 5.08%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 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)

Comparing against 306 peers in tier

Top Strengths (6 metrics)

33
Total Loans
balance_sheet
Value: $1.91B
Peer Median: $1.11B
#33 of 306 Top 10.5% in 1B-3B tier
36
Total Members
engagement
Value: 149,705
Peer Median: 85,918
#36 of 306 Top 11.4% in 1B-3B tier
58
Total Deposits
balance_sheet
Value: $2.02B
Peer Median: $1.31B
#58 of 306 Top 18.6% in 1B-3B tier
64
Return on Assets (ROA)
profitability
Value: 1.01%
Peer Median: 0.66%
#64 of 306 Top 20.6% in 1B-3B tier
64
Total Assets
balance_sheet
Value: $2.33B
Peer Median: $1.51B
#64 of 306 Top 20.6% in 1B-3B tier
65
Loan-to-Share Ratio
balance_sheet
Value: 94.35%
Peer Median: 85.31%
#65 of 306 Top 20.9% in 1B-3B tier

Top Weaknesses (5 metrics)

291
Indirect Auto Concentration (%)
balance_sheet
Value: 48.31%
Peer Median: 13.86%
#291 of 306 Bottom 5.2% in 1B-3B tier
274
Net Charge-Off Rate
risk
Value: 1.09%
Peer Median: 0.51%
#274 of 306 Bottom 10.8% in 1B-3B tier
274
Net Worth Ratio
risk
Value: 8.87%
Peer Median: 10.85%
#274 of 306 Bottom 10.8% in 1B-3B tier
260
Share Certificate Concentration (%)
balance_sheet
Value: 36.36%
Peer Median: 27.93%
#260 of 306 Bottom 15.4% in 1B-3B tier
232
Deposit Growth Rate
growth
Value: 2.09%
Peer Median: 4.44%
#232 of 306 Bottom 24.5% in 1B-3B tier
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