BlastPoint's Credit Union Scorecard
STREATOR COMMUNITY
Charter #62939 · IL
STREATOR COMMUNITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.4% YoY
- - Loan-to-Share Ratio: Bottom 7.2% in tier
- - Indirect Auto Concentration (%): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,392
-3.4% YoY-0.2% QoQ
|
-223 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$38.5M
+5.5% YoY+1.1% QoQ
|
+$8.3M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$8.7M
+4.1% YoY+5.0% QoQ
|
$-7.0M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$33.7M
+4.0% YoY+0.9% QoQ
|
+$8.0M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
1.1%
+37.5% YoY+6.4% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.4%
+10.9% YoY+2.5% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
74.0%
-5.4% YoY-1.2% QoQ
|
-8.5% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.7%
+21.7% YoY-5.0% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
25.9%
+0.1% YoY+4.1% QoQ
|
-34.7% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.1% in tier |
| AMR |
$17,720
+7.7% YoY+1.9% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
5.0%
+4.5% YoY-0.1% QoQ
|
-19.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
14.7%
+45.9% YoY+25.2% QoQ
|
+0.9% | 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)