BlastPoint's Credit Union Scorecard

PARTNERSHIP FINANCIAL

Charter #62854 · IL

100M-500M
1070 CUs in 100M-500M nationally 28 in IL

PARTNERSHIP FINANCIAL has 5 strengths 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

  • + Relationship Depth Leader: Top 50.0% in tier
  • + Wallet Share Momentum: Top 50.0% in tier
  • + ROA 0.60% above tier average
  • + Efficiency Ratio: Top 7.3% in tier
  • + Average Member Relationship (AMR): Top 8.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Fee Income Per Member: Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 14,364
-0.3% YoY+0.1% QoQ
 -781 15,145
-2.5% YoY
 22,133
+6.8% YoY
 33,913
+5.7% YoY
 56%
Assets $397.7M
+3.7% YoY+3.6% QoQ
 +$166.0M $231.7M
+0.8% YoY
 $406.0M
+9.7% YoY
 $578.3M
+9.0% YoY
 Top 11.4% in tier
Loans $170.0M
+10.5% YoY-0.6% QoQ
 +$25.8M $144.1M
+0.2% YoY
 $279.6M
+10.0% YoY
 $402.4M
+8.7% YoY
 68%
Deposits $347.8M
+2.3% YoY+3.6% QoQ
 +$146.6M $201.1M
+0.4% YoY
 $344.9M
+10.3% YoY
 $494.3M
+9.1% YoY
 Top 10.7% in tier

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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 1.3%
+33.0% YoY+11.7% QoQ
 +0.6% 0.7%
+5.1% YoY
 0.5%
-57.9% YoY
 0.4%
-39.2% YoY
 84%
NIM 3.2%
+18.0% YoY+6.2% QoQ
 -0.4% 3.6%
+4.6% YoY
 3.7%
-0.2% YoY
 3.8%
+4.1% YoY
 28%
Efficiency Ratio 59.0%
-10.4% YoY-4.3% QoQ
 -19.0% 78.0%
-1.7% YoY
 87.0%
+8.4% YoY
 84.6%
+2.8% YoY
 Top 7.3% in tier
Delinquency Rate 0.6%
+71.5% YoY+19.7% QoQ
 -0.2 0.8%
+7.1% YoY
 1.2%
+7.3% YoY
 1.2%
+3.4% YoY
 49%
Loan To Share 48.9%
+8.0% YoY-4.0% QoQ
 -21.5% 70.4%
-0.4% YoY
 60.2%
-0.9% YoY
 65.6%
-1.4% YoY
 Bottom 11.0% in tier
AMR $36,045
+5.2% YoY+2.1% QoQ
 +$11K $24,918
+2.7% YoY
 $15,723
+4.6% YoY
 $19,920
+1.6% YoY
 Top 8.8% in tier
CD Concentration 24.1%
-1.8% YoY-0.6% QoQ
 -0.2% 24.3% 14.0% 19.8% 50%
Indirect Auto % 2.6%
-47.5% YoY-13.1% QoQ
 -11.2% 13.8% 7.2% 7.7% 50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#128 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 5.20%
(Tier: 3.74%, National: 6.36%)
better than tier avg
Share Draft per Member: $4.9K
(Tier: $3.0K, National: $2.1K)
better than tier avg
257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally
↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#466 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.20%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk
#86 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.45%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.25% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk
#286 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.25% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

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)

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

79
Efficiency Ratio
profitability
Value: 58.99%
Peer Median: 78.68%
#79 of 1070 Top 7.3% in 100M-500M tier
94
Average Member Relationship (AMR)
engagement
Value: $36,045
Peer Median: $22,931
#94 of 1070 Top 8.7% in 100M-500M tier
115
Total Deposits
balance_sheet
Value: $347.77M
Peer Median: $171.29M
#115 of 1070 Top 10.7% in 100M-500M tier
122
Total Assets
balance_sheet
Value: $397.72M
Peer Median: $196.57M
#122 of 1070 Top 11.3% in 100M-500M tier
162
Loan Growth Rate
growth
Value: 10.45%
Peer Median: 2.93%
#162 of 1070 Top 15.0% in 100M-500M tier
169
Return on Assets (ROA)
profitability
Value: 1.32%
Peer Median: 0.69%
#169 of 1070 Top 15.7% in 100M-500M tier
211
Net Charge-Off Rate
risk
Value: 0.11%
Peer Median: 0.35%
#211 of 1070 Top 19.6% in 100M-500M tier

Top Weaknesses (2 metrics)

999
Fee Income Per Member
profitability
Value: $68.86
Peer Median: $154.95
#999 of 1070 Bottom 6.7% in 100M-500M tier
952
Loan-to-Share Ratio
balance_sheet
Value: 48.88%
Peer Median: 71.88%
#952 of 1070 Bottom 11.1% in 100M-500M tier
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