BlastPoint's Credit Union Scorecard
THE CREDIT UNION FOR ALL
Charter #63541 · IL
THE CREDIT UNION FOR ALL has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 2.0% in tier
- + Total Deposits: Top 2.8% in tier
- + Total Members: Top 3.6% in tier
- + Total Assets: Top 4.7% in tier
- + AMR Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Delinquency rate 0.45% above tier average
- - Member decline: -6.6% YoY
- - Indirect Auto Concentration (%): Bottom 2.2% in tier
- - Net Worth Ratio: Bottom 3.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,024
-6.6% YoY-1.0% QoQ
|
+5.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 3.7% in tier |
| Assets |
$87.5M
+4.4% YoY-0.7% QoQ
|
+$57.3M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 4.8% in tier |
| Loans |
$60.1M
+9.8% YoY-0.8% QoQ
|
+$44.3M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 2.1% in tier |
| Deposits |
$80.2M
+4.0% YoY-1.0% QoQ
|
+$54.5M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 2.8% in tier |
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| ROA |
0.6%
+44.3% YoY+1.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
3.7%
-3.1% YoY+0.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
79.4%
-3.9% YoY-0.1% QoQ
|
-3.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
2.0%
-1.7% YoY+37.0% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
74.9%
+5.6% YoY+0.2% QoQ
|
+14.3% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$17,482
+13.9% YoY+0.1% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
30.3%
+12.5% YoY+1.3% QoQ
|
+5.9% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
42.9%
+36.0% YoY+3.7% QoQ
|
+29.1% | 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)