BlastPoint's Credit Union Scorecard

ILLINOIS VALLEY

Charter #62121 · IL

<100M

2508 CUs in <100M nationally 137 in IL

ILLINOIS VALLEY has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.60% above tier average

Key Concerns

Areas that may need attention

- ROA 3.74% below tier average
- Efficiency ratio 40.76% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	4,213 +1.2% YoY+1.2% QoQ	+1.5K	2,676 +1.6% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	81%
Assets	$37.5M -0.8% YoY+0.3% QoQ	+$7.3M	$30.2M +1.3% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	66%
Loans	$27.3M +1.3% YoY-1.7% QoQ	+$12.1M	$15.3M -2.0% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	80%
Deposits	$33.7M -0.1% YoY+0.2% QoQ	+$7.9M	$25.8M +0.7% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	68%

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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	-3.6% +1354.4% YoY-3573.9% QoQ	-3.7%	0.1% -77.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Bottom 2.7% in tier
NIM	4.6% +8.3% YoY-0.7% QoQ	+0.6%	4.0% +4.0% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	131.4% +36.8% YoY+37.2% QoQ	+40.8%	90.6% +6.5% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Bottom 4.4% in tier
Delinquency Rate	1.5% +93.0% YoY+338.8% QoQ	+0.0	1.5% +3.8% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	75%
Loan To Share	81.2% +1.4% YoY-1.9% QoQ	+22.7%	58.5% -3.0% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	83%
AMR	$14,482 -0.7% YoY-1.8% QoQ	$-402	$14,884 -1.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	53%
CD Concentration	14.6% -21.0% YoY-15.4% QoQ	-9.7%	24.3%	14.0%	19.8%	50%
Indirect Auto %	52.8% +2.1% YoY+1.0% QoQ	+39.0%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

419

Loan-to-Share Ratio

balance_sheet

Value: 81.19%

Peer Median: 58.72%

#419 of 2508 Top 16.7% in <100M tier

484

Total Members

engagement

Value: 4,213

Peer Median: 1,918

#484 of 2508 Top 19.3% in <100M tier

494

Total Loans

balance_sheet

Value: $27.34M

Peer Median: $9.48M

#494 of 2508 Top 19.7% in <100M tier

506

Net Interest Margin (NIM)

profitability

Value: 4.61%

Peer Median: 3.83%

#506 of 2508 Top 20.1% in <100M tier

547

Member Growth Rate

growth

Value: 1.23%

Peer Median: -1.37%

#547 of 2508 Top 21.8% in <100M tier

Top Weaknesses (5 metrics)

2477

Indirect Auto Concentration (%)

balance_sheet

Value: 52.84%

Peer Median: 0.00%

#2477 of 2508 Bottom 1.3% in <100M tier

2440

Return on Assets (ROA)

profitability

Value: -3.59%

Peer Median: 0.61%

#2440 of 2508 Bottom 2.8% in <100M tier

2398

Efficiency Ratio

profitability

Value: 131.39%

Peer Median: 81.45%

#2398 of 2508 Bottom 4.4% in <100M tier

2087

Net Worth Ratio

risk

Value: 9.94%

Peer Median: 14.28%

#2087 of 2508 Bottom 16.8% in <100M tier

2040

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: 0.07%

#2040 of 2508 Bottom 18.7% in <100M tier