BlastPoint's Credit Union Scorecard

COOPERATIVE CHOICE NETWORK

Charter #63783 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

COOPERATIVE CHOICE NETWORK has 1 strength but faces 7 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ First Mortgage Concentration (%): Top 7.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.42% below tier average
- Efficiency ratio 4.31% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	12,320 -1.4% YoY-0.3% QoQ	-2.8K	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	46%
Assets	$207.2M +1.4% YoY+2.7% QoQ	$-24.5M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	53%
Loans	$110.3M +1.2% YoY-1.5% QoQ	$-33.8M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	43%
Deposits	$181.5M +1.0% YoY+3.0% QoQ	$-19.6M	$201.1M +0.4% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	53%

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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	0.3% +65.7% YoY-18.6% QoQ	-0.4%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	23%
NIM	2.8% +8.6% YoY+0.1% QoQ	-0.8%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	Bottom 9.3% in tier
Efficiency Ratio	82.3% -5.0% YoY+2.2% QoQ	+4.3%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.3% -18.2% YoY-23.7% QoQ	-0.5	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	23%
Loan To Share	60.8% +0.2% YoY-4.4% QoQ	-9.6%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	28%
AMR	$23,693 +2.5% YoY+1.6% QoQ	$-1K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	55%
CD Concentration	31.7% +3.2% YoY-1.8% QoQ	+7.4%	24.3%	14.0%	19.8%	50%
Indirect Auto %	17.1% +1.3% YoY+0.1% QoQ	+3.3%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#293 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.33%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#448 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#482 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.21%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#467 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.41%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 17.14%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 6.29%

Peer Median: 29.47%

#80 of 1070 Top 7.4% in 100M-500M tier

164

Members Per Employee (MPE)

engagement

Value: 424.828

Peer Median: 309.176

#164 of 1070 Top 15.2% in 100M-500M tier

244

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.61%

#244 of 1070 Top 22.7% in 100M-500M tier

Top Weaknesses (3 metrics)

971

Net Interest Margin (NIM)

profitability

Value: 2.82%

Peer Median: 3.62%

#971 of 1070 Bottom 9.3% in 100M-500M tier

825

Share Certificate Concentration (%)

balance_sheet

Value: 31.68%

Peer Median: 23.10%

#825 of 1070 Bottom 23.0% in 100M-500M tier

824

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.69%

#824 of 1070 Bottom 23.1% in 100M-500M tier