BlastPoint's Credit Union Scorecard

GENERATIONS

Charter #60429 · IL

<100M

2508 CUs in <100M nationally 137 in IL

GENERATIONS has 1 strength but faces 2 concerns

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 0.71% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.1% YoY
- Indirect Auto Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	2,094 -3.1% YoY-0.2% QoQ	-582	2,676 +1.6% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	53%
Assets	$23.1M +0.6% YoY+2.1% QoQ	$-7.1M	$30.2M +1.3% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	52%
Loans	$9.8M -6.8% YoY-2.4% QoQ	$-5.5M	$15.3M -2.0% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	51%
Deposits	$19.3M -0.7% YoY+3.3% QoQ	$-6.5M	$25.8M +0.7% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	51%

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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	0.9% +85.2% YoY+21.8% QoQ	+0.7%	0.1% -77.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	62%
NIM	3.9% +12.0% YoY+2.3% QoQ	-0.1%	4.0% +4.0% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	52%
Efficiency Ratio	79.9% -8.3% YoY-4.3% QoQ	-10.7%	90.6% +6.5% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.3% -35.3% YoY+46.9% QoQ	-1.2	1.5% +3.8% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	33%
Loan To Share	50.7% -6.1% YoY-5.5% QoQ	-7.8%	58.5% -3.0% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	38%
AMR	$13,862 +0.3% YoY+1.6% QoQ	$-1K	$14,884 -1.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	50%
CD Concentration	17.7% -21.6% YoY-3.4% QoQ	-6.6%	24.3%	14.0%	19.8%	50%
Indirect Auto %	15.1% +20.1% YoY+11.4% QoQ	+1.3%	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 (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2342

Indirect Auto Concentration (%)

balance_sheet

Value: 15.06%

Peer Median: 0.00%

#2342 of 2508 Bottom 6.7% in <100M tier

1916

First Mortgage Concentration (%)

balance_sheet

Value: 27.06%

Peer Median: 3.66%

#1916 of 2508 Bottom 23.6% in <100M tier