BlastPoint's Credit Union Scorecard
MAROON FINANCIAL
Charter #62497 · IL
MAROON FINANCIAL has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.00% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency ratio 3.05% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - First Mortgage Concentration (%): Bottom 2.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,896
-4.9% YoY-1.7% QoQ
|
+4.3K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 5.9% in tier |
| Assets |
$52.1M
-1.1% YoY-0.6% QoQ
|
+$22.0M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$29.8M
-6.2% YoY-2.7% QoQ
|
+$14.0M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$43.9M
-2.5% YoY-0.2% QoQ
|
+$18.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.3%
-159.6% YoY-15.5% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
4.0%
+7.9% YoY+1.1% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
85.6%
-13.8% YoY+1.4% QoQ
|
+3.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
1.0%
+40.6% YoY+153.8% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
67.8%
-3.8% YoY-2.5% QoQ
|
+7.2% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$10,680
+0.9% YoY+0.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
9.1%
+13.0% YoY+14.5% QoQ
|
-15.3% | 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)