BlastPoint's Credit Union Scorecard
FELLOWSHIP BAPTIST CHURCH
Charter #64252 · IL
<100M
2508 CUs in <100M nationally
137 in IL
FELLOWSHIP BAPTIST CHURCH has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 3.1% in tier
- + AMR Growth Rate: Top 5.8% in tier
- + Net Worth Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 2.60% below tier average
- - Efficiency ratio 61.00% above tier (higher cost structure)
- - Delinquency rate 1.81% above tier average
- - Member decline: -4.7% YoY
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 2.7% in tier
- - Total Loans: Bottom 3.0% in tier
- - Total Deposits: Bottom 4.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
364
-4.7% YoY0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 9.7% in tier |
| Assets |
$952,629
-3.4% YoY-0.4% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.0% in tier |
| Loans |
$117,088
-18.9% YoY-28.8% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.0% in tier |
| Deposits |
$588,179
+15.2% YoY+1.8% QoQ
|
$-25.2M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.4% in tier |
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| ROA |
-2.5%
-210.8% YoY-191.7% QoQ
|
-2.6% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.9% in tier |
| NIM |
3.9%
+10.8% YoY+71.5% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
151.6%
+129.9% YoY+85.7% QoQ
|
+61.0% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate | 3.3% | +1.8 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.8% in tier |
| Loan To Share |
19.9%
-29.6% YoY-30.1% QoQ
|
-38.6% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.1% in tier |
| AMR |
$1,938
+13.0% YoY-5.0% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
80
Deposit Growth Rate
growth
Value:
15.19%
Peer Median: 0.66%
#80 of 2508
Top 3.1% in <100M tier
147
AMR Growth Rate
growth
Value:
13.00%
Peer Median: 1.27%
#147 of 2508
Top 5.8% in <100M tier
190
Net Worth Ratio
risk
Value:
27.55%
Peer Median: 14.28%
#190 of 2508
Top 7.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (14 metrics)
2451
Loan-to-Member Ratio (LMR)
engagement
Value:
$321.67
Peer Median: $4,923
#2451 of 2508
Bottom 2.3% in <100M tier
2442
Average Member Relationship (AMR)
engagement
Value:
$1,938
Peer Median: $13,926
#2442 of 2508
Bottom 2.7% in <100M tier
2437
Efficiency Ratio
profitability
Value:
151.63%
Peer Median: 81.45%
#2437 of 2508
Bottom 2.9% in <100M tier
2434
Total Loans
balance_sheet
Value:
$117,088
Peer Median: $9.48M
#2434 of 2508
Bottom 3.0% in <100M tier
2409
Return on Assets (ROA)
profitability
Value:
-2.45%
Peer Median: 0.61%
#2409 of 2508
Bottom 4.0% in <100M tier
2398
Total Deposits
balance_sheet
Value:
$588,179
Peer Median: $18.77M
#2398 of 2508
Bottom 4.4% in <100M tier
2383
Total Assets
balance_sheet
Value:
$952,629
Peer Median: $21.86M
#2383 of 2508
Bottom 5.0% in <100M tier
2379
Loan-to-Share Ratio
balance_sheet
Value:
19.91%
Peer Median: 58.72%
#2379 of 2508
Bottom 5.2% in <100M tier
2367
Members Per Employee (MPE)
engagement
Value:
91.000
Peer Median: 333.750
#2367 of 2508
Bottom 5.7% in <100M tier
2325
Loan Growth Rate
growth
Value:
-18.90%
Peer Median: -2.36%
#2325 of 2508
Bottom 7.3% in <100M tier