BlastPoint's Credit Union Scorecard
SMARTCHOICE
Charter #64731 · IL
2596 CUs in <100M nationally
143 in IL
SMARTCHOICE has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 1.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Net Worth Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.67% above tier average
- - Member decline: -5.0% YoY
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Total Deposits: Bottom 4.6% in tier
- - Total Assets: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 5.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - Total Members: Bottom 6.2% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
- - Deposit Growth Rate: Bottom 8.1% in tier
- - Total Loans: Bottom 8.3% in tier
- - Average Member Relationship (AMR): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
248
-5.0% YoY-1.6% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 6.2% in tier |
| Assets |
$802,114
-6.5% YoY-1.5% QoQ
|
$-29.1M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.7% in tier |
| Loans |
$593,090
-20.7% YoY-6.6% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.2% in tier |
| Deposits |
$561,179
-9.3% YoY-2.2% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.5% in tier |
| ROA |
1.3%
-37.9% YoY-19.9% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
5.2%
-2.2% YoY-3.8% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 10.9% in tier |
| Efficiency Ratio |
76.7%
+21.6% YoY+6.4% QoQ
|
-4.7% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
5.2%
-45.9% YoY-45.4% QoQ
|
+3.7 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 5.7% in tier |
| Loan To Share |
105.7%
-12.6% YoY-4.6% QoQ
|
+44.5% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 2.4% in tier |
| AMR |
$4,654
-11.1% YoY-3.0% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
58
Loan-to-Share Ratio
balance_sheet
Value:
105.69%
Peer Avg: 61.23%
#58 of 2596
Top 2.2% in <100M tier
159
Net Worth Ratio
risk
Value:
29.81%
Peer Avg: 16.43%
#159 of 2596
Top 6.1% in <100M tier
282
Net Interest Margin (NIM)
profitability
Value:
5.20%
Peer Avg: 3.93%
#282 of 2596
Top 10.8% in <100M tier
Top Weaknesses (14 metrics)
2537
Net Charge-Off Rate
risk
Value:
3.66%
Peer Avg: 0.57%
#2537 of 2596
Bottom 2.3% in <100M tier
2478
Total Deposits
balance_sheet
Value:
$561,179
Peer Avg: $25.45M
#2478 of 2596
Bottom 4.6% in <100M tier
2474
Total Assets
balance_sheet
Value:
$802,114
Peer Avg: $29.86M
#2474 of 2596
Bottom 4.7% in <100M tier
2454
Loan Growth Rate
growth
Value:
-20.68%
Peer Avg: 59.01%
#2454 of 2596
Bottom 5.5% in <100M tier
2448
Total Delinquency Rate (60+ days)
risk
Value:
5.18%
Peer Avg: 1.51%
#2448 of 2596
Bottom 5.7% in <100M tier
2435
Total Members
engagement
Value:
248
Peer Avg: 2,626
#2435 of 2596
Bottom 6.2% in <100M tier
2424
AMR Growth Rate
growth
Value:
-11.08%
Peer Avg: 4.67%
#2424 of 2596
Bottom 6.7% in <100M tier
2386
Deposit Growth Rate
growth
Value:
-9.26%
Peer Avg: 16.80%
#2386 of 2596
Bottom 8.1% in <100M tier
2382
Total Loans
balance_sheet
Value:
$593,090
Peer Avg: $15.77M
#2382 of 2596
Bottom 8.3% in <100M tier
2380
Average Member Relationship (AMR)
engagement
Value:
$4,654
Peer Avg: $14,627
#2380 of 2596
Bottom 8.4% in <100M tier