BlastPoint's Credit Union Scorecard

COMMUNITY TRUST

Charter #60543 · IL

1069 CUs in 100M-500M nationally 30 in IL

COMMUNITY TRUST has 5 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 47.2% in tier
+ Wallet Share Momentum: Top 94.7% in tier
+ ROA 0.15% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 6.5% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 88.1% in tier
- Stagnation Risk: Bottom 97.7% in tier
- First Mortgage Concentration (%): Bottom 6.9% in tier
- Loan-to-Share Ratio: Bottom 7.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	13,431 -1.0% YoY-0.2% QoQ	-2.0K	15,437 -2.9% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	50%
Assets	$331.3M +4.4% YoY+2.9% QoQ	+$99.5M	$231.9M +1.3% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	78%
Loans	$133.4M +4.8% YoY+2.6% QoQ	$-13.9M	$147.3M -0.1% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	54%
Deposits	$291.1M +3.9% YoY+3.1% QoQ	+$90.3M	$200.8M +0.8% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	80%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -6.8% YoY+0.5% QoQ	+0.2%	0.8% +18.2% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	62%
NIM	3.2% -0.8% YoY-1.0% QoQ	-0.4%	3.6% +6.7% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	25%
Efficiency Ratio	74.4% +3.1% YoY-0.1% QoQ	-2.6%	77.0% -3.1% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	38%
Delinquency Rate	0.1% -47.0% YoY-55.9% QoQ	-0.8	0.9% +4.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	Bottom 6.5% in tier
Loan To Share	45.8% +0.9% YoY-0.5% QoQ	-26.4%	72.2% -1.1% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	Bottom 7.4% in tier
AMR	$31,612 +5.2% YoY+3.2% QoQ	+$7K	$24,676 +3.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	Top 14.5% in tier
CD Concentration	24.4% +4.8% YoY-2.7% QoQ	+0.0%	24.4%	14.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#127 of 268 • Top 47.2% 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): 5.18%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.9K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#486 of 513 • Top 94.7% in tier

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

Why This Signature

AMR Growth (YoY): 5.18%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#488 of 554 • Bottom 88.1% 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: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#541 of 554 • Bottom 97.7% 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: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.76%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.13%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: -

#70 of 1069 Top 6.5% in 100M-500M tier

136

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: -

#136 of 1069 Top 12.6% in 100M-500M tier

155

Average Member Relationship (AMR)

engagement

Value: $31,612

Peer Median: -

#155 of 1069 Top 14.4% in 100M-500M tier

218

Total Deposits

balance_sheet

Value: $291.14M

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

234

Total Assets

balance_sheet

Value: $331.32M

Peer Median: -

#234 of 1069 Top 21.8% in 100M-500M tier

Top Weaknesses (3 metrics)

996

First Mortgage Concentration (%)

balance_sheet

Value: 57.81%

Peer Median: -

#996 of 1069 Bottom 6.9% in 100M-500M tier

990

Loan-to-Share Ratio

balance_sheet

Value: 45.83%

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

811

Members Per Employee (MPE)

engagement

Value: 263.353

Peer Median: -

#811 of 1069 Bottom 24.2% in 100M-500M tier