BlastPoint's Credit Union Scorecard
COOPERATIVE CHOICE NETWORK
Charter #63783 · IL
COOPERATIVE CHOICE NETWORK has 1 strength but faces 8 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
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 3.51% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,358
-1.1% YoY-1.0% QoQ
|
-3.1K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$201.7M
+3.3% YoY+1.5% QoQ
|
$-30.1M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$112.1M
+3.0% YoY-0.2% QoQ
|
$-35.3M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$176.3M
+3.1% YoY+1.6% QoQ
|
$-24.5M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.4%
+257.5% YoY+2.1% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
2.8%
+17.1% YoY+1.6% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio |
80.5%
-9.8% YoY-0.1% QoQ
|
+3.5% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.4%
+9.9% YoY-0.9% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
63.6%
-0.1% YoY-1.7% QoQ
|
-8.7% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$23,331
+4.2% YoY+1.9% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
32.3%
+4.6% YoY+0.7% QoQ
|
+7.8% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
17.1%
+1.8% YoY+1.7% QoQ
|
+3.3% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)