BlastPoint's Credit Union Scorecard

REDBRAND

Charter #60346 · IL

<100M

2508 CUs in <100M nationally 137 in IL

REDBRAND has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.82% above tier average
+ Total Members: Top 4.6% in tier
+ Total Deposits: Top 8.2% in tier
+ Total Assets: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	7,276 +0.1% YoY-0.5% QoQ	+4.6K	2,676 +1.6% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	Top 4.7% in tier
Assets	$76.3M +2.5% YoY+3.4% QoQ	+$46.1M	$30.2M +1.3% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	Top 9.3% in tier
Loans	$37.9M +7.4% YoY-4.0% QoQ	+$22.6M	$15.3M -2.0% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	Top 11.2% in tier
Deposits	$67.0M +1.6% YoY+3.7% QoQ	+$41.2M	$25.8M +0.7% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	Top 8.2% in tier

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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% +105.8% YoY+31.3% QoQ	+0.8%	0.1% -77.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	68%
NIM	3.8% +6.6% YoY-0.8% QoQ	-0.2%	4.0% +4.0% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	80.9% -9.3% YoY-3.9% QoQ	-9.7%	90.6% +6.5% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	0.2% -62.2% YoY-47.3% QoQ	-1.3	1.5% +3.8% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	28%
Loan To Share	56.6% +5.8% YoY-7.4% QoQ	-1.9%	58.5% -3.0% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	47%
AMR	$14,414 +3.5% YoY+1.3% QoQ	$-470	$14,884 -1.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	52%
CD Concentration	1.7% -21.5% YoY-13.9% QoQ	-22.6%	24.3%	14.0%	19.8%	50%
Indirect Auto %	31.6% +15.9% YoY-3.1% QoQ	+17.8%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

117

Total Members

engagement

Value: 7,276

Peer Median: 1,918

#117 of 2508 Top 4.6% in <100M tier

206

Total Deposits

balance_sheet

Value: $66.98M

Peer Median: $18.77M

#206 of 2508 Top 8.2% in <100M tier

232

Total Assets

balance_sheet

Value: $76.28M

Peer Median: $21.86M

#232 of 2508 Top 9.2% in <100M tier

282

Total Loans

balance_sheet

Value: $37.90M

Peer Median: $9.48M

#282 of 2508 Top 11.2% in <100M tier

358

Loan Growth Rate

growth

Value: 7.43%

Peer Median: -2.36%

#358 of 2508 Top 14.2% in <100M tier

384

Fee Income Per Member

profitability

Value: $136.07

Peer Median: $60.42

#384 of 2508 Top 15.3% in <100M tier

Top Weaknesses (1 metrics)

2419

Indirect Auto Concentration (%)

balance_sheet

Value: 31.58%

Peer Median: 0.00%

#2419 of 2508 Bottom 3.6% in <100M tier