BlastPoint's Credit Union Scorecard
AREA EDUCATIONAL
Charter #62500 · IL
AREA EDUCATIONAL demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.36% above tier average
- + Efficiency Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,325
-1.0% YoY-0.7% QoQ
|
-351 |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$33.2M
+4.5% YoY+4.0% QoQ
|
+$3.0M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$12.7M
-7.6% YoY-1.9% QoQ
|
$-2.6M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$26.4M
+4.7% YoY+4.5% QoQ
|
+$570K |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
1.5%
+6.5% YoY+115.6% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Top 15.0% in tier |
| NIM |
3.2%
-9.5% YoY+9.4% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
23% |
| Efficiency Ratio |
56.6%
-3.1% YoY-22.3% QoQ
|
-34.1% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
0.2%
-71.5% YoY-56.6% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
48.1%
-11.8% YoY-6.1% QoQ
|
-10.4% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$16,788
+1.3% YoY+3.1% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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)