BlastPoint's Credit Union Scorecard
CENTRAL CREDIT UNION OF ILLINOIS
Charter #60852 · IL
CENTRAL CREDIT UNION OF ILLINOIS has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 1.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 8.9% in tier
- - Credit Quality Pressure: Bottom 22.7% in tier
- - Stagnation Risk: Bottom 29.5% in tier
- - Margin Compression: Bottom 45.9% in tier
- - Shrinking Wallet Share: Bottom 54.6% in tier
- - Accelerating Exit Risk: Bottom 56.4% in tier
- - Institutional Decline: Bottom 72.0% in tier
- - Membership Headwinds: Bottom 73.4% in tier
- - Efficiency ratio 2.33% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - Loan Growth Rate: Bottom 4.4% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,587
-1.5% YoY-0.7% QoQ
|
-4.9K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$122.5M
+0.8% YoY-0.1% QoQ
|
$-109.3M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 15.0% in tier |
| Loans |
$70.5M
-8.8% YoY-1.9% QoQ
|
$-76.9M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$103.5M
-0.1% YoY-0.4% QoQ
|
$-97.3M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.0% in tier |
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| ROA |
0.9%
-72.6% YoY-7.5% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
4.7%
+7.1% YoY+0.5% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
79.3%
+48.9% YoY+2.1% QoQ
|
+2.3% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.1%
+59.7% YoY+25.6% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
68.1%
-8.7% YoY-1.5% QoQ
|
-4.2% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$16,436
-2.3% YoY-0.3% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
3.2%
+1.0% YoY-1.4% QoQ
|
-21.2% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)