BlastPoint's Credit Union Scorecard
COOPERATIVE CHOICE NETWORK
Charter #63783 · IL
COOPERATIVE CHOICE NETWORK has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 7.7% 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
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 5.29% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Illinois.
- Shares and deposits +1.8% year over year ($180M in shares and deposits).
- Membership: 12,369 members, -1.5% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 0.33%.
- Efficiency ratio 82.03% vs a 76.73% peer average.
- Loan-to-share ratio 60.97% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,369
-1.5% YoY+0.4% QoQ
|
-2.8K |
15,168
-2.6% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$205.9M
+1.9% YoY-0.6% QoQ
|
$-26.1M |
$232.0M
+0.7% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$109.9M
-0.9% YoY-0.4% QoQ
|
$-36.4M |
$146.3M
+0.2% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$180.3M
+1.8% YoY-0.7% QoQ
|
$-20.4M |
$200.7M
+0.2% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
53% |
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| ROA |
0.3%
+35.9% YoY+9.4% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
17% |
| NIM |
2.9%
+9.5% YoY+2.5% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio |
82.0%
-2.3% YoY-0.4% QoQ
|
+5.3% |
76.7%
-0.8% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.4%
-13.3% YoY+19.7% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
61.0%
-2.6% YoY+0.3% QoQ
|
-10.6% |
71.5%
-0.3% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$23,461
+2.3% YoY-1.0% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
32.5%
+1.1% YoY+2.6% QoQ
|
+8.0% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % |
17.0%
+1.6% YoY-0.8% QoQ
|
+3.4% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)