BlastPoint's Credit Union Scorecard

UNIVERSITY OF ILLINOIS COMMUNITY

Charter #60583 · IL

Community 750M-1B
117 CUs in 750M-1B nationally 3 in IL
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UNIVERSITY OF ILLINOIS COMMUNITY has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 22.1% in tier
  • + Net Interest Margin 0.81% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 9.3% in tier
  • - Liquidity Strain: Bottom 13.6% in tier
  • - Efficiency Drag: Bottom 30.5% 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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.4%
-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% Bottom 14.3% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#296 of 513 • Top 22.1% in tier

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

Why This Signature
AMR Growth (YoY): 7.23%
(Tier: 4.17%, National: 4.00%)
better than tier avg
662 nationally
↑ Growing +180 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#88 of 506 • Bottom 9.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 11.40%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 32.58%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.15%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Liquidity Strain

risk
#146 of 228 • Bottom 13.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.52%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 9.54%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 282 Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank improving

Efficiency Drag

risk
#475 of 538 • Bottom 30.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.29%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.40% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 3.15%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
633 nationally
↓ Shrinking -98 CUs YoY | Rank improving

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)

Comparing against 117 peers in tier

Top Strengths (5 metrics)

8
Net Interest Margin (NIM)
profitability
Value: 4.21%
Peer Median: -
#8 of 117 Top 6.0% in 750M-1B tier
17
Asset Growth Rate
growth
Value: 11.40%
Peer Median: -
#17 of 117 Top 13.7% in 750M-1B tier
17
Deposit Growth Rate
growth
Value: 11.60%
Peer Median: -
#17 of 117 Top 13.7% in 750M-1B tier
23
Total Members
engagement
Value: 64,203
Peer Median: -
#23 of 117 Top 18.8% in 750M-1B tier
29
Member Growth Rate
growth
Value: 3.15%
Peer Median: -
#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (6 metrics)

113
Total Assets
balance_sheet
Value: $755.51M
Peer Median: -
#113 of 117 Bottom 4.3% in 750M-1B tier
100
Average Member Relationship (AMR)
engagement
Value: $20,271
Peer Median: -
#100 of 117 Bottom 15.4% in 750M-1B tier
99
Indirect Auto Concentration (%)
balance_sheet
Value: 32.58%
Peer Median: -
#99 of 117 Bottom 16.2% in 750M-1B tier
94
Efficiency Ratio
profitability
Value: 82.29%
Peer Median: -
#94 of 117 Bottom 20.5% in 750M-1B tier
94
Total Deposits
balance_sheet
Value: $679.56M
Peer Median: -
#94 of 117 Bottom 20.5% in 750M-1B tier
91
Net Charge-Off Rate
risk
Value: 0.79%
Peer Median: -
#91 of 117 Bottom 23.1% in 750M-1B tier
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