BlastPoint's Credit Union Scorecard
PLANITES
Charter #61643 · IL
PLANITES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Member decline: -3.1% YoY
- - Share Certificate Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,933
-3.1% YoY-2.1% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$38.0M
+1.8% YoY-2.6% QoQ
|
+$7.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$17.8M
-5.8% YoY-0.7% QoQ
|
+$2.1M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$33.4M
+1.6% YoY-2.9% QoQ
|
+$7.7M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.5%
+100.2% YoY-8.7% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
3.2%
+12.6% YoY+3.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
80.5%
-9.0% YoY+0.5% QoQ
|
-2.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.5%
+72.9% YoY-3.6% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
53.4%
-7.2% YoY+2.2% QoQ
|
-7.2% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$13,031
+2.0% YoY+0.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
43.1%
+4.1% YoY+3.1% QoQ
|
+18.6% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)