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 0.80% below tier average
- - Efficiency ratio 15.48% above tier (higher cost structure)
- - Delinquency rate 0.63% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,434
+0.4% YoY0% QoQ
|
+808 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$45.6M
-0.6% YoY-1.2% QoQ
|
+$15.7M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$16.2M
-9.5% YoY-1.5% QoQ
|
+$458K |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$38.5M
-0.3% YoY-1.2% QoQ
|
+$13.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
-0.1%
-173.7% YoY-51.6% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.6% in tier |
| NIM |
3.8%
+10.5% YoY+3.4% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
96.9%
+17.3% YoY-0.4% QoQ
|
+15.5% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 13.8% in tier |
| Delinquency Rate |
2.1%
-45.8% YoY-28.4% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
42.1%
-9.3% YoY-0.3% QoQ
|
-19.1% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$15,949
-3.6% YoY-1.3% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
15.5%
+12.2% YoY+3.9% QoQ
|
-8.9% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)