BlastPoint's Credit Union Scorecard

FOX VALLEY

Charter #63286 · IL

<100M

2508 CUs in <100M nationally 137 in IL

FOX VALLEY faces 2 concerns requiring attention

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.55% below tier average
- Delinquency rate 0.39% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	3,399 -1.0% YoY-0.2% QoQ	+722	2,676 +1.6% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	73%
Assets	$46.6M -1.7% YoY+1.6% QoQ	+$16.4M	$30.2M +1.3% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	75%
Loans	$15.2M -10.1% YoY-3.1% QoQ	$-53K	$15.3M -2.0% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	63%
Deposits	$39.5M -1.8% YoY+2.3% QoQ	+$13.7M	$25.8M +0.7% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	75%

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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	-0.4% +234.2% YoY+429.1% QoQ	-0.6%	0.1% -77.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Bottom 14.1% in tier
NIM	3.8% +9.7% YoY+0.7% QoQ	-0.2%	4.0% +4.0% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	51%
Efficiency Ratio	90.2% -8.3% YoY-7.4% QoQ	-0.5%	90.6% +6.5% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	1.9% -12.2% YoY-46.8% QoQ	+0.4	1.5% +3.8% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	80%
Loan To Share	38.5% -8.4% YoY-5.3% QoQ	-20.0%	58.5% -3.0% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	20%
AMR	$16,110 -3.3% YoY+0.9% QoQ	+$1K	$14,884 -1.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	61%
CD Concentration	14.5% -4.8% YoY-7.2% QoQ	-9.8%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Top Weaknesses (7 metrics)

2243

First Mortgage Concentration (%)

balance_sheet

Value: 44.49%

Peer Median: 3.66%

#2243 of 2508 Bottom 10.6% in <100M tier

2242

Net Charge-Off Rate

risk

Value: 1.28%

Peer Median: 0.07%

#2242 of 2508 Bottom 10.6% in <100M tier

2155

Return on Assets (ROA)

profitability

Value: -0.41%

Peer Median: 0.61%

#2155 of 2508 Bottom 14.1% in <100M tier

2006

Loan-to-Share Ratio

balance_sheet

Value: 38.52%

Peer Median: 58.72%

#2006 of 2508 Bottom 20.1% in <100M tier

1998

Total Delinquency Rate (60+ days)

risk

Value: 1.90%

Peer Median: 0.65%

#1998 of 2508 Bottom 20.4% in <100M tier

1955

Loan Growth Rate

growth

Value: -10.10%

Peer Median: -2.36%

#1955 of 2508 Bottom 22.1% in <100M tier

1918

AMR Growth Rate

growth

Value: -3.32%

Peer Median: 1.27%

#1918 of 2508 Bottom 23.6% in <100M tier