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 14.6% in tier
- + Wallet Share Momentum: Top 65.8% in tier
- + Profitability Leader: Top 67.5% in tier
- + ROA 0.64% above tier average
- + Net Interest Margin 0.54% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.1% in tier
- - Average Member Relationship (AMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,563
+2.4% YoY+0.7% QoQ
|
+5.8K |
39,752
-2.7% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$548.8M
+7.7% YoY-0.8% QoQ
|
$-73.6M |
$622.4M
+0.3% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$366.5M
+12.0% YoY+4.9% QoQ
|
$-69.4M |
$435.9M
-0.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$469.5M
+6.7% YoY-1.5% QoQ
|
$-68.5M |
$538.0M
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
1.3%
+5.6% YoY+12.4% QoQ
|
+0.6% |
0.7%
+33.9% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 11.2% in tier |
| NIM |
4.0%
+10.9% YoY+3.3% QoQ
|
+0.5% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 13.6% in tier |
| Efficiency Ratio |
68.2%
+1.5% YoY-3.3% QoQ
|
-9.9% |
78.1%
-3.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate |
0.4%
-27.7% YoY-1.6% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
78.1%
+4.9% YoY+6.5% QoQ
|
-3.0% |
81.0%
-1.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$18,348
+6.5% YoY+0.5% QoQ
|
$-8K |
$26,482
+2.6% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
22.6%
+10.1% YoY+1.8% QoQ
|
-1.8% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
44% |
| Indirect Auto % |
28.4%
-12.9% YoY-5.4% QoQ
|
+14.4% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
81% |
Signature Analysis
Strengths (3)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)