BlastPoint's Credit Union Scorecard
CENTRAL CREDIT UNION OF ILLINOIS
Charter #60852 · IL
CENTRAL CREDIT UNION OF ILLINOIS has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 1.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 1.2% in tier
- - Credit Quality Pressure: Bottom 5.5% in tier
- - Margin Compression: Bottom 14.3% in tier
- - Stagnation Risk: Bottom 20.4% in tier
- - Membership Headwinds: Bottom 20.4% in tier
- - Institutional Decline: Bottom 23.0% in tier
- - Efficiency ratio 0.47% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - Loan Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,660
-1.9% YoY-0.5% QoQ
|
-5.0K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$122.7M
+2.5% YoY-0.3% QoQ
|
$-108.6M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.8% in tier |
| Loans |
$71.9M
-6.7% YoY-2.2% QoQ
|
$-75.9M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$104.0M
+1.8% YoY-0.6% QoQ
|
$-96.3M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.2% in tier |
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| ROA |
0.9%
-76.5% YoY+0.1% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
4.7%
+8.7% YoY+0.9% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
77.7%
+62.9% YoY+1.2% QoQ
|
+0.5% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.9%
+135.0% YoY+32.2% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
69.1%
-8.4% YoY-1.5% QoQ
|
-3.6% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$16,493
+0.0% YoY-0.7% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
3.3%
+5.9% YoY-6.9% QoQ
|
-21.1% |
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 (6)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)