BlastPoint's Credit Union Scorecard
PARTNERSHIP FINANCIAL
Charter #62854 · IL
PARTNERSHIP FINANCIAL has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 31.5% in tier
- + Wallet Share Momentum: Top 66.6% in tier
- + ROA 0.42% above tier average
- + Average Member Relationship (AMR): Top 8.9% in tier
- + Efficiency Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 56.7% in tier
- - Credit Quality Pressure: Bottom 91.5% in tier
- - Membership Headwinds: Bottom 92.6% in tier
- - Stagnation Risk: Bottom 98.5% in tier
- - Fee Income Per Member: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,356
-0.8% YoY-0.5% QoQ
|
-1.1K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$384.0M
+4.8% YoY-0.4% QoQ
|
+$152.2M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 13.4% in tier |
| Loans |
$171.0M
+11.5% YoY+4.7% QoQ
|
+$23.6M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$335.8M
+3.3% YoY-0.5% QoQ
|
+$135.0M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 12.5% in tier |
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| ROA |
1.2%
+63.7% YoY-4.0% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.1%
+20.9% YoY+4.2% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
61.6%
-14.2% YoY+1.8% QoQ
|
-15.4% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
0.5%
+6.2% YoY+16.9% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
50.9%
+7.9% YoY+5.3% QoQ
|
-21.3% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.8% in tier |
| AMR |
$35,298
+6.8% YoY+1.6% QoQ
|
+$11K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 9.0% in tier |
| CD Concentration |
24.2%
-8.0% YoY+1.4% QoQ
|
-0.2% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
2.9%
-46.5% YoY-16.6% QoQ
|
-10.9% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)