BlastPoint's Credit Union Scorecard
UNIVERSITY OF ILLINOIS COMMUNITY
Charter #60583 · IL
UNIVERSITY OF ILLINOIS COMMUNITY has 2 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
- + ROA 0.27% above tier average
- + Net Interest Margin 0.79% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.9% in tier
- - Liquidity Strain: Bottom 15.9% in tier
- - Credit Risk Growth: Bottom 50.3% in tier
- - Credit Quality Pressure: Bottom 52.7% in tier
- - Efficiency ratio 5.44% above tier (higher cost structure)
- - Total Assets: Bottom 6.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Illinois.
- Shares and deposits +9.4% year over year ($689M in shares and deposits).
- Membership: 65,320 members, +1.8% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 1.11%.
- Efficiency ratio 79.97% vs a 74.54% peer average.
- Loan-to-share ratio 90.78% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65,320
+1.8% YoY+1.0% QoQ
|
+12.8K |
52,482
+1.3% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$765.5M
+8.9% YoY-0.2% QoQ
|
$-98.5M |
$863.9M
+0.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.4% in tier |
| Loans |
$625.5M
+3.4% YoY+1.0% QoQ
|
+$17.7M |
$607.8M
+2.1% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$689.0M
+9.4% YoY-0.5% QoQ
|
$-50.9M |
$739.9M
+0.2% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
1.1%
+139.8% YoY+2.8% QoQ
|
+0.3% |
0.8%
+30.4% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
4.3%
-0.7% YoY-0.3% QoQ
|
+0.8% |
3.5%
+6.2% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
80.0%
-1.8% YoY+1.9% QoQ
|
+5.4% |
74.5%
-1.4% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.6%
+0.9% YoY-13.0% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
90.8%
-5.5% YoY+1.5% QoQ
|
+8.2% |
82.6%
+1.9% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$20,123
+4.6% YoY-0.8% QoQ
|
$-9K |
$28,702
+0.4% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.4% in tier |
| CD Concentration |
25.0%
+1.2% YoY+6.3% QoQ
|
+0.4% | 24.6% | 14.0% | 20.0% | 52% |
| Indirect Auto % |
28.8%
-19.6% YoY-5.9% QoQ
|
+15.2% | 13.6% | 6.8% | 7.7% | 83% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)