BlastPoint's Credit Union Scorecard
SMARTCHOICE
Charter #64731 · IL
<100M
2508 CUs in <100M nationally
137 in IL
SMARTCHOICE has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
- + Net Interest Margin 1.18% above tier average
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
- + Net Worth Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Total Deposits: Bottom 4.2% in tier
- - Total Assets: Bottom 4.3% in tier
- - Total Members: Bottom 6.1% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
- - Total Loans: Bottom 8.4% in tier
- - AMR Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
-1.6% YoY-0.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 6.0% in tier |
| Assets |
$766,697
-3.7% YoY-4.6% QoQ
|
$-29.4M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.3% in tier |
| Loans |
$554,490
-13.1% YoY+4.2% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.4% in tier |
| Deposits |
$528,739
-5.5% YoY-6.6% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.1% in tier |
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| ROA |
0.7%
-61.6% YoY+31.4% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
5.2%
-13.8% YoY+9.2% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
86.0%
+23.9% YoY-3.0% QoQ
|
-4.7% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
0.4%
-93.4% YoY-91.1% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
104.9%
-8.1% YoY+11.5% QoQ
|
+46.4% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Top 2.2% in tier |
| AMR |
$4,403
-8.1% YoY-1.0% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.3% 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
52
Loan-to-Share Ratio
balance_sheet
Value:
104.87%
Peer Median: 58.72%
#52 of 2508
Top 2.0% in <100M tier
75
Net Charge-Off Rate
risk
Value:
-0.53%
Peer Median: 0.07%
#75 of 2508
Top 3.0% in <100M tier
133
Net Worth Ratio
risk
Value:
30.97%
Peer Median: 14.28%
#133 of 2508
Top 5.3% in <100M tier
231
Net Interest Margin (NIM)
profitability
Value:
5.19%
Peer Median: 3.83%
#231 of 2508
Top 9.2% in <100M tier
Top Weaknesses (11 metrics)
2404
Total Deposits
balance_sheet
Value:
$528,739
Peer Median: $18.77M
#2404 of 2508
Bottom 4.2% in <100M tier
2401
Total Assets
balance_sheet
Value:
$766,697
Peer Median: $21.86M
#2401 of 2508
Bottom 4.3% in <100M tier
2357
Total Members
engagement
Value:
246
Peer Median: 1,918
#2357 of 2508
Bottom 6.1% in <100M tier
2326
Average Member Relationship (AMR)
engagement
Value:
$4,403
Peer Median: $13,926
#2326 of 2508
Bottom 7.3% in <100M tier
2298
Total Loans
balance_sheet
Value:
$554,490
Peer Median: $9.48M
#2298 of 2508
Bottom 8.4% in <100M tier
2262
AMR Growth Rate
growth
Value:
-8.11%
Peer Median: 1.27%
#2262 of 2508
Bottom 9.8% in <100M tier
2163
Fee Income Per Member
profitability
Value:
$3.82
Peer Median: $60.42
#2163 of 2508
Bottom 13.8% in <100M tier
2137
Loan Growth Rate
growth
Value:
-13.14%
Peer Median: -2.36%
#2137 of 2508
Bottom 14.8% in <100M tier
2108
Deposit Growth Rate
growth
Value:
-5.52%
Peer Median: 0.66%
#2108 of 2508
Bottom 16.0% in <100M tier
2095
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,254
Peer Median: $4,923
#2095 of 2508
Bottom 16.5% in <100M tier