BlastPoint's Credit Union Scorecard

COMMUNITY TRUST

Charter #60543 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

COMMUNITY TRUST has 4 strengths but faces 4 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.37% above tier average
+ Total Delinquency Rate (60+ days): Top 5.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 6.2% in tier
- Loan-to-Share Ratio: Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	13,417 -1.0% YoY-0.1% QoQ	-1.7K	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	51%
Assets	$339.5M +4.1% YoY+2.5% QoQ	+$107.8M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	80%
Loans	$134.5M +6.8% YoY+0.8% QoQ	$-9.7M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	56%
Deposits	$299.0M +3.9% YoY+2.7% QoQ	+$97.8M	$201.1M +0.4% 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	1.1% +20.9% YoY+20.3% QoQ	+0.4%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	75%
NIM	3.1% +1.4% YoY-0.7% QoQ	-0.5%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	70.7% -4.7% YoY-4.9% QoQ	-7.3%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.1% -71.6% YoY-28.5% QoQ	-0.7	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	Top 5.9% in tier
Loan To Share	45.0% +2.8% YoY-1.9% QoQ	-25.4%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	Bottom 7.4% in tier
AMR	$32,305 +5.8% YoY+2.2% QoQ	+$7K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	Top 13.6% in tier
CD Concentration	24.2% +12.7% YoY-1.1% QoQ	-0.1%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#110 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.81%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#398 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.81%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#506 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.97%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#562 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.97%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 6.78%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.09%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.61%

#64 of 1070 Top 5.9% in 100M-500M tier

145

Average Member Relationship (AMR)

engagement

Value: $32,305

Peer Median: $22,931

#145 of 1070 Top 13.5% in 100M-500M tier

150

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.35%

#150 of 1070 Top 13.9% in 100M-500M tier

204

Total Deposits

balance_sheet

Value: $298.96M

Peer Median: $171.29M

#204 of 1070 Top 19.0% in 100M-500M tier

219

Total Assets

balance_sheet

Value: $339.53M

Peer Median: $196.57M

#219 of 1070 Top 20.4% in 100M-500M tier

265

Fee Income Per Member

profitability

Value: $201.41

Peer Median: $154.95

#265 of 1070 Top 24.7% in 100M-500M tier

266

Return on Assets (ROA)

profitability

Value: 1.10%

Peer Median: 0.69%

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1005

First Mortgage Concentration (%)

balance_sheet

Value: 59.07%

Peer Median: 29.47%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

991

Loan-to-Share Ratio

balance_sheet

Value: 44.98%

Peer Median: 71.88%

#991 of 1070 Bottom 7.5% in 100M-500M tier

868

Members Per Employee (MPE)

engagement

Value: 248.463

Peer Median: 309.176

#868 of 1070 Bottom 19.0% in 100M-500M tier

836

Net Interest Margin (NIM)

profitability

Value: 3.14%

Peer Median: 3.62%

#836 of 1070 Bottom 22.0% in 100M-500M tier