BlastPoint's Credit Union Scorecard
FINANCIAL PLUS
Charter #61231 · IL
FINANCIAL PLUS has 5 strengths but faces 2 concerns
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
- + Organic Growth Engine: Top 39.6% in tier
- + Wallet Share Momentum: Top 48.4% in tier
- + ROA 0.71% above tier average
- + Net Interest Margin 0.50% above tier average
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 28.7% in tier
- - Average Member Relationship (AMR): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,254
+2.1% YoY-0.7% QoQ
|
+6.7K |
38,575
-4.8% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$580.2M
+9.8% YoY+5.7% QoQ
|
$-41.5M |
$621.7M
+0.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$372.5M
+12.3% YoY+1.6% QoQ
|
$-57.3M |
$429.8M
-1.8% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$497.8M
+8.5% YoY+6.0% QoQ
|
$-40.9M |
$538.7M
+0.6% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
32% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+23.6% YoY+6.0% QoQ
|
+0.7% |
0.7%
+42.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 7.3% in tier |
| NIM |
3.9%
+9.7% YoY-0.6% QoQ
|
+0.5% |
3.4%
+8.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
67.8%
-0.3% YoY-0.6% QoQ
|
-9.7% |
77.5%
-4.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
0.5%
-22.2% YoY+13.6% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
74.8%
+3.4% YoY-4.2% QoQ
|
-5.0% |
79.8%
-2.3% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$19,232
+7.8% YoY+4.8% QoQ
|
$-8K |
$26,849
+2.7% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
26.2%
+14.9% YoY+15.7% QoQ
|
+1.7% | 24.4% | 14.1% | 19.8% | 56% |
| Indirect Auto % |
27.0%
-14.4% YoY-5.0% QoQ
|
+13.2% | 13.8% | 7.1% | 7.8% | 80% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)