BlastPoint's Credit Union Scorecard
UNIVERSITY OF ILLINOIS COMMUNITY
Charter #60583 · IL
UNIVERSITY OF ILLINOIS COMMUNITY has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 57.6% in tier
- + Organic Growth Engine: Top 85.0% in tier
- + Net Interest Margin 0.81% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 17.2% in tier
- - Liquidity Strain: Bottom 63.9% in tier
- - Efficiency Drag: Bottom 88.3% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 7.95% above tier (higher cost structure)
- - Total Assets: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,203
+3.1% YoY-1.0% QoQ
|
+12.1K |
52,084
-1.6% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$755.5M
+11.4% YoY+1.9% QoQ
|
$-108.4M |
$863.9M
+0.5% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.4% in tier |
| Loans |
$621.9M
+9.5% YoY-1.8% QoQ
|
+$16.1M |
$605.8M
+1.4% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$679.6M
+11.6% YoY+1.9% QoQ
|
$-57.7M |
$737.3M
+0.1% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.4%
-1723.4% YoY-2.0% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
4.2%
-2.0% YoY-2.8% QoQ
|
+0.8% |
3.4%
+8.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
82.3%
+1.2% YoY+0.1% QoQ
|
+7.9% |
74.3%
-3.6% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.7%
-21.7% YoY+11.6% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
91.5%
-1.8% YoY-3.7% QoQ
|
+9.0% |
82.6%
+1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$20,271
+7.2% YoY+1.0% QoQ
|
$-9K |
$28,873
+2.7% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.5% in tier |
| CD Concentration |
23.7%
-0.4% YoY+1.5% QoQ
|
-0.7% | 24.4% | 14.1% | 19.8% | 48% |
| Indirect Auto % |
32.6%
-16.7% YoY-3.6% QoQ
|
+18.8% | 13.8% | 7.1% | 7.8% | Top 14.3% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)