BlastPoint's Credit Union Scorecard
PARK MANOR CHRISTIAN CHURCH
Charter #60923 · IL
2556 CUs in <100M nationally
138 in IL
PARK MANOR CHRISTIAN CHURCH has 8 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.6% in tier
- + Asset Growth Rate: Top 6.4% in tier
- + Efficiency Ratio: Top 6.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 7.57% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Total Loans: Bottom 4.7% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
- - Average Member Relationship (AMR): Bottom 5.9% in tier
- - Total Members: Bottom 6.3% in tier
- - Total Assets: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
251
+0.4% YoY-1.6% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 6.3% in tier |
| Assets |
$1.5M
+11.6% YoY-3.6% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.6% in tier |
| Loans |
$259,770
+10.5% YoY-4.1% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.6% in tier |
| Deposits |
$734,521
-2.6% YoY-1.3% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.4% in tier |
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| ROA |
4.9%
+210.7% YoY-38.7% QoQ
|
+4.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 0.5% in tier |
| NIM |
2.0%
-51.2% YoY-14.2% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
54.6%
-36.1% YoY+23.3% QoQ
|
-28.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate |
9.1%
+97.9% YoY-81.3% QoQ
|
+7.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 2.6% in tier |
| Loan To Share |
35.4%
+13.4% YoY-2.9% QoQ
|
-25.2% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.9% in tier |
| AMR |
$3,961
+0.1% YoY-0.5% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
13
Return on Assets (ROA)
profitability
Value:
4.93%
Peer Median: -
#13 of 2556
Top 0.5% in <100M tier
16
Fee Income Per Member
profitability
Value:
$545.14
Peer Median: -
#16 of 2556
Top 0.6% in <100M tier
164
Asset Growth Rate
growth
Value:
11.61%
Peer Median: -
#164 of 2556
Top 6.4% in <100M tier
178
Efficiency Ratio
profitability
Value:
54.57%
Peer Median: -
#178 of 2556
Top 6.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
268
Loan Growth Rate
growth
Value:
10.46%
Peer Median: -
#268 of 2556
Top 10.4% in <100M tier
Top Weaknesses (10 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2491
Total Delinquency Rate (60+ days)
risk
Value:
9.13%
Peer Median: -
#2491 of 2556
Bottom 2.6% in <100M tier
2458
Net Interest Margin (NIM)
profitability
Value:
2.00%
Peer Median: -
#2458 of 2556
Bottom 3.9% in <100M tier
2438
Total Loans
balance_sheet
Value:
$259,770
Peer Median: -
#2438 of 2556
Bottom 4.7% in <100M tier
2419
Total Deposits
balance_sheet
Value:
$734,521
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2409
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,035
Peer Median: -
#2409 of 2556
Bottom 5.8% in <100M tier
2406
Average Member Relationship (AMR)
engagement
Value:
$3,961
Peer Median: -
#2406 of 2556
Bottom 5.9% in <100M tier
2395
Total Members
engagement
Value:
251
Peer Median: -
#2395 of 2556
Bottom 6.3% in <100M tier
2362
Total Assets
balance_sheet
Value:
$1.52M
Peer Median: -
#2362 of 2556
Bottom 7.6% in <100M tier
2172
Loan-to-Share Ratio
balance_sheet
Value:
35.37%
Peer Median: -
#2172 of 2556
Bottom 15.1% in <100M tier