BlastPoint's Credit Union Scorecard

COOPERATIVE CHOICE NETWORK

Charter #63783 · IL

1077 CUs in 100M-500M nationally 31 in IL

COOPERATIVE CHOICE NETWORK has 8 strengths but faces 6 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

+ Organic Growth Leader: Top 2.8% in tier
+ Organic Growth Engine: Top 17.8% in tier
+ Wallet Share Momentum: Top 44.8% in tier
+ Strong member growth: 8.5% YoY
+ Asset Growth Rate: Top 2.3% in tier
+ Deposit Growth Rate: Top 2.3% in tier
+ Member Growth Rate: Top 4.4% in tier
+ First Mortgage Concentration (%): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.6% in tier
- Indirect Auto Dependency: Bottom 21.1% in tier
- Credit Quality Pressure: Bottom 21.6% in tier
- Efficiency Drag: Bottom 28.8% in tier
- ROA 0.42% below tier average
- Efficiency ratio 3.35% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	12,486 +8.5% YoY-0.6% QoQ	-3.1K	15,628 -3.4% YoY	21,352 +8.3% YoY	33,089 +6.1% YoY	44%
Assets	$198.8M +20.4% YoY-1.6% QoQ	$-32.5M	$231.3M -0.0% YoY	$379.6M +9.6% YoY	$547.7M +7.8% YoY	50%
Loans	$112.3M +11.8% YoY+1.2% QoQ	$-35.5M	$147.8M -1.4% YoY	$267.7M +12.9% YoY	$388.7M +8.6% YoY	43%
Deposits	$173.5M +20.7% YoY-2.1% QoQ	$-26.8M	$200.3M -0.0% YoY	$314.3M +10.4% YoY	$464.6M +9.3% YoY	50%

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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% +192.4% YoY+49.6% QoQ	-0.4%	0.8% +15.5% YoY	0.8% -108.9% YoY	0.7% +273.4% YoY	22%
NIM	2.8% +10.6% YoY+5.0% QoQ	-0.8%	3.6% +6.9% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	Bottom 11.5% in tier
Efficiency Ratio	80.6% -10.0% YoY-4.0% QoQ	+3.3%	77.3% -3.0% YoY	90.4% +10.2% YoY	79.1% -3.3% YoY	63%
Delinquency Rate	0.4% +22.4% YoY-4.2% QoQ	-0.4	0.9% +7.6% YoY	1.5% -12.1% YoY	1.2% -0.9% YoY	28%
Loan To Share	64.7% -7.3% YoY+3.3% QoQ	-8.0%	72.7% -1.5% YoY	62.3% -1.7% YoY	68.0% -1.7% YoY	31%
AMR	$22,886 +7.9% YoY-0.2% QoQ	$-1K	$24,363 +2.9% YoY	$15,032 +2.8% YoY	$19,418 +1.3% YoY	53%
CD Concentration	32.0% +5.4% YoY-0.4% QoQ	+7.6%	24.4% +4.2% YoY	13.7% +4.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.8% -7.2% YoY+0.7% QoQ	+2.9%	14.0% -5.7% YoY	7.2% +3.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#38 of 430 • Top 2.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.53%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 16.84%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#326 of 603 • Top 17.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.53%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.37%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 16.84%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth

#216 of 481 • Top 44.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.86%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#175 of 446 • Bottom 11.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.84%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#340 of 525 • Bottom 21.1% in tier

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

Why This Signature

Asset Growth (YoY): 20.42%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 16.84%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 8.53%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#536 of 736 • Bottom 21.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk

#509 of 521 • Bottom 28.8% in tier

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

Why This Signature

Efficiency Ratio: 80.62%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 8.53%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (7 metrics)

Asset Growth Rate

growth

Value: 20.42%

Peer Avg: -

#26 of 1077 Top 2.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 20.70%

Peer Avg: -

#26 of 1077 Top 2.3% in 100M-500M tier

Member Growth Rate

growth

Value: 8.53%

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.35%

Peer Avg: -

#85 of 1077 Top 7.8% in 100M-500M tier

117

Loan Growth Rate

growth

Value: 11.84%

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

152

Members Per Employee (MPE)

engagement

Value: 430.552

Peer Avg: -

#152 of 1077 Top 14.0% in 100M-500M tier

168

AMR Growth Rate

growth

Value: 7.86%

Peer Avg: -

#168 of 1077 Top 15.5% in 100M-500M tier

Top Weaknesses (3 metrics)

953

Net Interest Margin (NIM)

profitability

Value: 2.77%

Peer Avg: -

#953 of 1077 Bottom 11.6% in 100M-500M tier

840

Share Certificate Concentration (%)

balance_sheet

Value: 32.02%

Peer Avg: -

#840 of 1077 Bottom 22.1% in 100M-500M tier

835

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier