BlastPoint's Credit Union Scorecard
ILLINOIS VALLEY
Charter #62121 · IL
ILLINOIS VALLEY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 13.68% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 1.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,196
+2.0% YoY+0.8% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$37.2M
-4.5% YoY-1.7% QoQ
|
+$7.4M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$28.5M
+2.0% YoY+1.7% QoQ
|
+$12.7M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$33.4M
-4.7% YoY-1.1% QoQ
|
+$8.0M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
69% |
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| ROA |
0.1%
-95.0% YoY+250.8% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
4.6%
-19.2% YoY+2.7% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
95.1%
+33.9% YoY+0.5% QoQ
|
+13.7% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.8%
+145.4% YoY+70.2% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
85.2%
+7.0% YoY+2.9% QoQ
|
+23.9% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$14,757
-3.6% YoY-0.6% QoQ
|
+$130 |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
19.3%
-24.3% YoY+7.6% QoQ
|
-5.1% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
52.9%
+6.5% YoY+0.4% QoQ
|
+39.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)