BlastPoint's Credit Union Scorecard
I. H. MISSISSIPPI VALLEY
Charter #60337 · IL
I. H. MISSISSIPPI VALLEY has 1 strength but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.2% in tier
- - Liquidity Strain: Bottom 37.6% in tier
- - ROA 0.97% below tier average
- - Delinquency rate 0.43% above tier average
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
- - Net Worth Ratio: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
149,859
+1.9% YoY-0.1% QoQ
|
+52.4K |
97,431
-2.4% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 12.3% in tier |
| Assets |
$2.3B
+7.4% YoY+4.3% QoQ
|
+$587.5M |
$1.7B
+0.9% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$1.9B
+7.0% YoY+3.9% QoQ
|
+$674.3M |
$1.2B
+0.5% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 11.9% in tier |
| Deposits |
$1.9B
+2.6% YoY+0.8% QoQ
|
+$489.8M |
$1.5B
+0.9% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
-0.3%
-150.1% YoY+45.2% QoQ
|
-1.0% |
0.7%
+20.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.0% in tier |
| NIM |
3.5%
+9.6% YoY-1.0% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
65.3%
-1.6% YoY+1.5% QoQ
|
-8.8% |
74.1%
-9.5% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
1.3%
-48.3% YoY-38.9% QoQ
|
+0.4 |
0.9%
+6.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
97.9%
+4.3% YoY+3.0% QoQ
|
+13.1% |
84.8%
-0.8% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$25,743
+2.8% YoY+2.4% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
39.6%
+1.2% YoY-3.6% QoQ
|
+10.5% | 29.0% | 14.1% | 19.8% | Top 12.2% in tier |
| Indirect Auto % |
48.8%
-9.5% YoY-8.1% QoQ
|
+30.5% | 18.3% | 7.1% | 7.8% | Top 5.1% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)