BlastPoint's Credit Union Scorecard
FINANCIAL PLUS
Charter #61231 · IL
FINANCIAL PLUS has 4 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.7% in tier
- + ROA 0.67% above tier average
- + Net Interest Margin 0.53% above tier average
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 11.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Illinois.
- Shares and deposits +9.2% year over year ($521M in shares and deposits).
- Membership: 46,216 members, +2.2% vs a year ago.
- Delinquency rate 0.45%.
- Return on assets 1.48%.
- Efficiency ratio 67.44% vs a 76.56% peer average.
- Loan-to-share ratio 75.98% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,216
+2.2% YoY+0.9% QoQ
|
+8.3K |
37,897
-5.0% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$607.4M
+9.8% YoY+0.7% QoQ
|
$-15.0M |
$622.4M
+0.6% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$395.5M
+13.2% YoY+3.4% QoQ
|
$-33.0M |
$428.5M
-0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$520.6M
+9.2% YoY+0.2% QoQ
|
$-19.2M |
$539.8M
+0.9% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
41% |
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| ROA |
1.5%
+28.7% YoY-1.3% QoQ
|
+0.7% |
0.8%
+39.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 9.1% in tier |
| NIM |
4.1%
+5.6% YoY+3.4% QoQ
|
+0.5% |
3.5%
+5.0% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
67.4%
-4.4% YoY+2.9% QoQ
|
-9.1% |
76.6%
-3.6% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.5%
-1.1% YoY+10.7% QoQ
|
-0.4 |
0.8%
+3.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
76.0%
+3.6% YoY+3.1% QoQ
|
-3.4% |
79.3%
-1.4% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$19,822
+8.6% YoY+0.6% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.9% in tier |
| CD Concentration |
25.2%
+13.5% YoY+0.8% QoQ
|
+0.6% | 24.6% | 14.0% | 20.0% | 53% |
| Indirect Auto % |
25.0%
-16.9% YoY-4.4% QoQ
|
+11.3% | 13.6% | 6.8% | 7.7% | 78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)