BlastPoint's Credit Union Scorecard
UNIVERSITY OF ILLINOIS COMMUNITY
Charter #60583 · IL
UNIVERSITY OF ILLINOIS COMMUNITY has 3 strengths but faces 2 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 25.8% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.86% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 22.6% in tier
- - Efficiency ratio 2.95% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,655
+2.4% YoY+0.7% QoQ
|
+13.2K |
51,500
+0.7% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$767.1M
+7.5% YoY+1.5% QoQ
|
$-98.5M |
$865.6M
+0.9% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.3% in tier |
| Loans |
$619.0M
+10.3% YoY-0.5% QoQ
|
+$23.8M |
$595.3M
+1.6% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$692.2M
+7.7% YoY+1.9% QoQ
|
$-50.0M |
$742.2M
+0.6% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
1.1%
+108.7% YoY+188.7% QoQ
|
+0.3% |
0.8%
+45.0% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
4.3%
+0.2% YoY+2.5% QoQ
|
+0.9% |
3.5%
+6.1% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 6.8% in tier |
| Efficiency Ratio |
78.5%
-8.2% YoY-4.6% QoQ
|
+2.9% |
75.5%
-3.4% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
0.7%
-1.6% YoY-10.2% QoQ
|
+0.0 |
0.7%
-0.1% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
89.4%
+2.5% YoY-2.3% QoQ
|
+8.8% |
80.6%
+0.7% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$20,280
+6.3% YoY+0.0% QoQ
|
$-9K |
$28,908
+0.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.8% in tier |
| CD Concentration |
23.5%
-2.6% YoY-1.0% QoQ
|
-0.8% | 24.3% | 14.0% | 19.8% | 48% |
| Indirect Auto % |
30.6%
-19.4% YoY-6.0% QoQ
|
+16.8% | 13.8% | 7.2% | 7.7% | 84% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)