BlastPoint's Credit Union Scorecard
NUMARK
Charter #61447 · IL
NUMARK has 3 strengths but faces 8 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
- + Wallet Share Momentum: Top 34.0% in tier
- + Net Interest Margin 0.49% above tier average
- + First Mortgage Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.2% in tier
- - Efficiency Drag: Bottom 23.9% in tier
- - Indirect Auto Dependency: Bottom 25.8% in tier
- - Stagnation Risk: Bottom 60.3% in tier
- - Membership Headwinds: Bottom 60.3% in tier
- - Credit Risk Growth: Bottom 64.9% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 9.93% above tier (higher cost structure)
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Illinois.
- Shares and deposits +8.1% year over year ($786M in shares and deposits).
- Membership: 62,044 members, -0.7% vs a year ago.
- Delinquency rate 1.30%.
- Return on assets 0.61%.
- Efficiency ratio 84.47% vs a 74.54% peer average.
- Loan-to-share ratio 81.61% vs a 82.60% 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 |
62,044
-0.7% YoY+0.7% QoQ
|
+9.6K |
52,482
+1.3% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$932.2M
+6.9% YoY-1.6% QoQ
|
+$68.2M |
$863.9M
+0.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$641.7M
+1.0% YoY+0.8% QoQ
|
+$33.9M |
$607.8M
+2.1% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$786.3M
+8.1% YoY-1.4% QoQ
|
+$46.4M |
$739.9M
+0.2% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.6%
-6.4% YoY+19.6% QoQ
|
-0.2% |
0.8%
+30.4% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
4.0%
+6.0% YoY+2.9% QoQ
|
+0.5% |
3.5%
+6.2% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
84.5%
+0.6% YoY-1.9% QoQ
|
+9.9% |
74.5%
-1.4% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
1.3%
+27.6% YoY+37.9% QoQ
|
+0.5 |
0.8%
+1.0% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
81.6%
-6.6% YoY+2.3% QoQ
|
-1.0% |
82.6%
+1.9% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$23,016
+5.5% YoY-1.1% QoQ
|
$-6K |
$28,702
+0.4% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
24.6%
-10.2% YoY-6.0% QoQ
|
+0.0% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % |
17.5%
-11.5% YoY-6.4% QoQ
|
+3.9% | 13.6% | 6.8% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)