BlastPoint's Credit Union Scorecard
UNIVERSITY OF ILLINOIS COMMUNITY
Charter #60583 · IL
UNIVERSITY OF ILLINOIS COMMUNITY has 11 strengths but faces 5 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 10.4% in tier
- + Organic Growth Engine: Top 32.6% in tier
- + Net Interest Margin 0.90% above tier average
- + Total Loans: Top 0.6% in tier
- + Total Deposits: Top 0.6% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Total Members: Top 3.6% in tier
- + Deposit Growth Rate: Top 4.1% in tier
- + Total Assets: Top 4.1% in tier
- + Asset Growth Rate: Top 6.5% in tier
- + Loan Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.9% in tier
- - Liquidity Strain: Bottom 8.8% in tier
- - Efficiency Drag: Bottom 20.0% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 4.14% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,826
+0.7% YoY+1.0% QoQ
|
+25.1K |
39,752
-2.7% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 4.1% in tier |
| Assets |
$741.8M
+12.3% YoY+5.6% QoQ
|
+$119.4M |
$622.4M
+0.3% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Top 4.7% in tier |
| Loans |
$633.6M
+14.8% YoY+4.7% QoQ
|
+$197.7M |
$435.9M
-0.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Top 1.2% in tier |
| Deposits |
$667.1M
+15.4% YoY+5.9% QoQ
|
+$129.0M |
$538.0M
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Top 1.2% in tier |
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| ROA |
0.4%
+969.3% YoY-17.5% QoQ
|
-0.3% |
0.7%
+33.9% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
4.3%
+0.4% YoY-0.1% QoQ
|
+0.9% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
82.2%
+2.5% YoY+1.0% QoQ
|
+4.1% |
78.1%
-3.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.7%
-27.6% YoY+15.6% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
95.0%
-0.5% YoY-1.2% QoQ
|
+14.0% |
81.0%
-1.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$20,064
+14.2% YoY+4.3% QoQ
|
$-6K |
$26,482
+2.6% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
23.4%
-1.3% YoY-5.2% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
47% |
| Indirect Auto % |
33.8%
-17.9% YoY-5.8% QoQ
|
+19.8% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
Top 13.7% 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)