BlastPoint's Credit Union Scorecard
AREA EDUCATIONAL
Charter #62500 · IL
AREA EDUCATIONAL demonstrates 1 strength
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
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 |
2,341
-0.6% YoY-0.9% QoQ
|
-274 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$31.9M
+5.8% YoY+1.1% QoQ
|
+$1.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$12.9M
-6.7% YoY-3.0% QoQ
|
$-2.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$25.2M
+6.5% YoY+1.8% QoQ
|
$-479K |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.7%
-3.4% YoY-50.8% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
2.9%
-1.2% YoY-16.7% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
72.8%
+2.7% YoY+26.4% QoQ
|
-9.8% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.5%
-48.6% YoY+13.4% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
51.3%
-12.4% YoY-4.8% QoQ
|
-9.4% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$16,288
+2.3% YoY+1.0% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration | 0.0% | -24.4% | 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)