BlastPoint's Credit Union Scorecard
MIDWEST COALITION OF LABOR
Charter #61847 · IL
MIDWEST COALITION OF LABOR demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Net Interest Margin 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.9% in tier
- + Members Per Employee (MPE): Top 3.5% in tier
- + Total Loans: Top 3.8% in tier
- + Total Assets: Top 9.0% in tier
- + Member Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,470
+3.3% YoY+0.9% QoQ
|
+5.9K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 2.9% in tier |
| Assets |
$77.0M
+3.3% YoY+2.0% QoQ
|
+$46.9M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 9.0% in tier |
| Loans |
$54.3M
+10.0% YoY+4.2% QoQ
|
+$38.6M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 3.8% in tier |
| Deposits |
$63.4M
-1.4% YoY+2.3% QoQ
|
+$37.7M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 10.3% in tier |
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| ROA |
1.5%
-3.2% YoY-4.2% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.7%
+9.5% YoY+1.1% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
62.9%
+4.5% YoY+0.3% QoQ
|
-19.7% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
0.8%
-33.3% YoY-3.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
85.7%
+11.5% YoY+1.8% QoQ
|
+25.1% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 14.5% in tier |
| AMR |
$13,897
+0.2% YoY+2.3% QoQ
|
$-885 |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
15.7%
+6.8% YoY-1.1% QoQ
|
-8.8% | 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)