BlastPoint's Credit Union Scorecard
FOX VALLEY
Charter #63286 · IL
FOX VALLEY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Efficiency ratio 14.85% above tier (higher cost structure)
- - Delinquency rate 2.01% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,405
-0.6% YoY-0.8% QoQ
|
+789 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$45.9M
-1.0% YoY+0.7% QoQ
|
+$15.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$15.7M
-10.2% YoY-3.1% QoQ
|
$-42K |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$38.6M
-1.1% YoY+0.3% QoQ
|
+$13.0M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
-0.1%
-204.4% YoY-34.5% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.6% in tier |
| NIM |
3.8%
+10.1% YoY+0.6% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
97.4%
+12.5% YoY+0.5% QoQ
|
+14.8% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 14.2% in tier |
| Delinquency Rate |
3.6%
+4.8% YoY+66.7% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 10.3% in tier |
| Loan To Share |
40.7%
-9.2% YoY-3.4% QoQ
|
-19.9% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$15,967
-3.4% YoY+0.1% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
15.6%
+12.2% YoY+0.8% QoQ
|
-8.8% | 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)