BlastPoint's Credit Union Scorecard
PARTNERSHIP FINANCIAL
Charter #62854 · IL
PARTNERSHIP FINANCIAL has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 34.4% in tier
- + Wallet Share Momentum: Top 70.2% in tier
- + Profitability Leader: Top 76.7% in tier
- + ROA 0.45% above tier average
- + Efficiency Ratio: Top 9.0% in tier
- + Average Member Relationship (AMR): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 7.4% in tier
- - Membership Headwinds: Bottom 28.6% in tier
- - Loan-to-Share Ratio: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,424
-1.0% YoY+0.1% QoQ
|
-1.2K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$385.6M
+5.4% YoY-0.7% QoQ
|
+$154.3M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Top 12.8% in tier |
| Loans |
$163.3M
+7.8% YoY+4.3% QoQ
|
+$15.5M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$337.6M
+4.0% YoY-1.6% QoQ
|
+$137.3M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Top 12.0% in tier |
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| ROA |
1.2%
+76.9% YoY+0.7% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
2.9%
+18.4% YoY+4.2% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
60.5%
-17.0% YoY-0.6% QoQ
|
-16.7% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
0.4%
-14.6% YoY-1.2% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
48.4%
+3.6% YoY+6.0% QoQ
|
-24.3% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.6% in tier |
| AMR |
$34,727
+6.3% YoY+0.2% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 9.4% in tier |
| CD Concentration |
23.9%
-7.6% YoY-0.9% QoQ
|
-0.5% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.5%
-43.5% YoY-16.4% QoQ
|
-10.4% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)