BlastPoint's Credit Union Scorecard

NUMARK

Charter #61447 · IL

Community 750M-1B

117 CUs in 750M-1B nationally 3 in IL

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NUMARK has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 22.8% in tier
+ Net Interest Margin 0.44% above tier average
+ First Mortgage Concentration (%): Top 4.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 19.3% in tier
- Efficiency Drag: Bottom 23.9% in tier
- Credit Quality Pressure: Bottom 51.6% in tier
- Credit Risk Growth: Bottom 51.7% in tier
- Stagnation Risk: Bottom 58.8% in tier
- Membership Headwinds: Bottom 58.8% in tier
- ROA 0.25% below tier average
- Efficiency ratio 10.58% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	61,622 -0.7% YoY+0.0% QoQ	+10.1K	51,500 +0.7% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	79%
Assets	$947.6M +8.0% YoY+7.1% QoQ	+$82.0M	$865.6M +0.9% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	82%
Loans	$636.5M +2.9% YoY-0.3% QoQ	+$41.2M	$595.3M +1.6% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	59%
Deposits	$797.6M +8.7% YoY+8.6% QoQ	+$55.4M	$742.2M +0.6% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +4.2% YoY-24.5% QoQ	-0.3%	0.8% +45.0% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	41%
NIM	3.9% +7.5% YoY-0.6% QoQ	+0.4%	3.5% +6.1% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	86.1% -0.8% YoY+2.9% QoQ	+10.6%	75.5% -3.4% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	0.9% +1.3% YoY-26.7% QoQ	+0.3	0.7% -0.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	76%
Loan To Share	79.8% -5.3% YoY-8.2% QoQ	-0.8%	80.6% +0.7% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	39%
AMR	$23,273 +6.7% YoY+4.4% QoQ	$-6K	$28,908 +0.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	32%
CD Concentration	26.2% -8.3% YoY-8.2% QoQ	+1.9%	24.3%	14.0%	19.8%	58%
Indirect Auto %	18.7% -4.4% YoY-0.9% QoQ	+4.9%	13.8%	7.2%	7.7%	69%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#304 of 491 • Top 22.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.75%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (6)

Efficiency Drag

risk

#47 of 596 • Bottom 23.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.11%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#242 of 504 • Bottom 19.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.99%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.74%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Stagnation Risk

risk

#466 of 570 • Bottom 58.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.91%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.94%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#688 of 727 • Bottom 51.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#457 of 476 • Bottom 51.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.91%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Membership Headwinds

decline

#550 of 570 • Bottom 58.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.66%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (8 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 11.29%

Peer Median: 32.60%

#6 of 117 Top 4.3% in 750M-1B tier

Deposit Growth Rate

growth

Value: 8.69%

Peer Median: 4.60%

#19 of 117 Top 15.4% in 750M-1B tier

Total Assets

balance_sheet

Value: $947.60M

Peer Median: $858.87M

#21 of 117 Top 17.1% in 750M-1B tier

Total Members

engagement

Value: 61,622

Peer Median: 51,712

#25 of 117 Top 20.5% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 3.89%

Peer Median: 3.47%

#26 of 117 Top 21.4% in 750M-1B tier

Asset Growth Rate

growth

Value: 7.99%

Peer Median: 4.88%

#28 of 117 Top 23.1% in 750M-1B tier

AMR Growth Rate

growth

Value: 6.75%

Peer Median: 3.70%

#29 of 117 Top 23.9% in 750M-1B tier

Total Deposits

balance_sheet

Value: $797.61M

Peer Median: $735.65M

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (2 metrics)

Efficiency Ratio

profitability

Value: 86.11%

Peer Median: 77.38%

#99 of 117 Bottom 16.2% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.94%

Peer Median: 0.56%

#90 of 117 Bottom 23.9% in 750M-1B tier