BlastPoint's Credit Union Scorecard
COLLEGE AND UNIVERSITY
Charter #60688 · IL
COLLEGE AND UNIVERSITY has 3 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 3.35% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- - Total Loans: Bottom 3.8% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 5.9% in tier
- - Total Assets: Bottom 7.2% in tier
- - Total Deposits: Bottom 7.9% in tier
- - Total Members: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
347
+1.5% YoY-1.4% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 9.4% in tier |
| Assets |
$1.3M
+3.5% YoY-0.2% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.2% in tier |
| Loans |
$160,083
-3.3% YoY+5.0% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.7% in tier |
| Deposits |
$1.1M
+3.3% YoY-0.3% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.8% in tier |
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| ROA |
0.5%
-49.3% YoY-2.8% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.1%
-16.1% YoY+0.5% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
84.7%
+13.3% YoY+0.6% QoQ
|
+3.4% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.0%
-77.0% YoY-78.9% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
13.9%
-6.4% YoY+5.3% QoQ
|
-47.3% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.5% in tier |
| AMR |
$3,775
+1.0% YoY+1.7% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)