BlastPoint's Credit Union Scorecard
PARK MANOR CHRISTIAN CHURCH
Charter #60923 · IL
<100M
2508 CUs in <100M nationally
137 in IL
PARK MANOR CHRISTIAN CHURCH has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.66% above tier average
- + Fee Income Per Member: Top 1.1% in tier
- + Loan Growth Rate: Top 4.0% in tier
- + Efficiency Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 9.68% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Total Loans: Bottom 4.8% in tier
- - Total Deposits: Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
- - Total Members: Bottom 6.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
252
-1.9% YoY+0.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 6.2% in tier |
| Assets |
$1.5M
+6.7% YoY-0.4% QoQ
|
$-28.7M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.5% in tier |
| Loans |
$254,520
+18.8% YoY-2.0% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.8% in tier |
| Deposits |
$740,016
-0.4% YoY+0.7% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.3% in tier |
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| ROA |
3.8%
+3.6% YoY-22.9% QoQ
|
+3.7% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Top 1.2% in tier |
| NIM |
3.4%
-11.8% YoY+70.3% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
56.8%
+0.8% YoY+4.1% QoQ
|
-33.8% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
11.2%
+166.8% YoY+22.5% QoQ
|
+9.7 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.0% in tier |
| Loan To Share |
34.4%
+19.3% YoY-2.7% QoQ
|
-24.1% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$3,947
+6.0% YoY-0.4% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
29
Return on Assets (ROA)
profitability
Value:
3.80%
Peer Median: 0.61%
#29 of 2508
Top 1.1% in <100M tier
29
Fee Income Per Member
profitability
Value:
$324.05
Peer Median: $60.42
#29 of 2508
Top 1.1% in <100M tier
102
Loan Growth Rate
growth
Value:
18.82%
Peer Median: -2.36%
#102 of 2508
Top 4.0% in <100M tier
231
Efficiency Ratio
profitability
Value:
56.83%
Peer Median: 81.45%
#231 of 2508
Top 9.2% in <100M tier
409
Asset Growth Rate
growth
Value:
6.65%
Peer Median: 1.30%
#409 of 2508
Top 16.3% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
534
AMR Growth Rate
growth
Value:
5.97%
Peer Median: 1.27%
#534 of 2508
Top 21.3% in <100M tier
Top Weaknesses (9 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2458
Total Delinquency Rate (60+ days)
risk
Value:
11.19%
Peer Median: 0.65%
#2458 of 2508
Bottom 2.0% in <100M tier
2388
Total Loans
balance_sheet
Value:
$254,520
Peer Median: $9.48M
#2388 of 2508
Bottom 4.8% in <100M tier
2375
Total Deposits
balance_sheet
Value:
$740,016
Peer Median: $18.77M
#2375 of 2508
Bottom 5.3% in <100M tier
2364
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,010
Peer Median: $4,923
#2364 of 2508
Bottom 5.8% in <100M tier
2353
Average Member Relationship (AMR)
engagement
Value:
$3,947
Peer Median: $13,926
#2353 of 2508
Bottom 6.2% in <100M tier
2352
Total Members
engagement
Value:
252
Peer Median: 1,918
#2352 of 2508
Bottom 6.3% in <100M tier
2319
Total Assets
balance_sheet
Value:
$1.51M
Peer Median: $21.86M
#2319 of 2508
Bottom 7.6% in <100M tier
2117
Loan-to-Share Ratio
balance_sheet
Value:
34.39%
Peer Median: 58.72%
#2117 of 2508
Bottom 15.6% in <100M tier