BlastPoint's Credit Union Scorecard
SMARTCHOICE
Charter #64731 · IL
2556 CUs in <100M nationally
138 in IL
SMARTCHOICE has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.80% 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
- + Net Worth Ratio: Top 6.3% in tier
- + Loan-to-Share Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Efficiency ratio 6.09% above tier (higher cost structure)
- - Delinquency rate 2.48% above tier average
- - AMR Growth Rate: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 2.9% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Total Deposits: Bottom 4.4% in tier
- - Total Assets: Bottom 4.5% in tier
- - Total Members: Bottom 6.1% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
- - Total Loans: Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
247
0% YoY-0.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 6.0% in tier |
| Assets |
$803,448
-3.5% YoY+0.2% QoQ
|
$-29.3M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.5% in tier |
| Loans |
$532,169
-27.7% YoY-10.3% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.6% in tier |
| Deposits |
$566,045
-5.9% YoY+0.9% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.4% in tier |
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| ROA |
0.6%
-38.3% YoY-55.2% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
4.7%
-2.1% YoY-8.6% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
88.7%
+8.3% YoY+15.6% QoQ
|
+6.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
4.0%
-59.8% YoY-22.0% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 8.5% in tier |
| Loan To Share |
94.0%
-23.1% YoY-11.0% QoQ
|
+33.4% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 7.4% in tier |
| AMR |
$4,446
-17.9% YoY-4.5% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
163
Net Worth Ratio
risk
Value:
29.38%
Peer Median: -
#163 of 2556
Top 6.3% in <100M tier
188
Loan-to-Share Ratio
balance_sheet
Value:
94.02%
Peer Median: -
#188 of 2556
Top 7.3% in <100M tier
505
Net Interest Margin (NIM)
profitability
Value:
4.75%
Peer Median: -
#505 of 2556
Top 19.7% in <100M tier
Top Weaknesses (13 metrics)
2498
AMR Growth Rate
growth
Value:
-17.86%
Peer Median: -
#2498 of 2556
Bottom 2.3% in <100M tier
2483
Loan Growth Rate
growth
Value:
-27.65%
Peer Median: -
#2483 of 2556
Bottom 2.9% in <100M tier
2482
Net Charge-Off Rate
risk
Value:
3.32%
Peer Median: -
#2482 of 2556
Bottom 2.9% in <100M tier
2444
Total Deposits
balance_sheet
Value:
$566,045
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2441
Total Assets
balance_sheet
Value:
$803,448
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2401
Total Members
engagement
Value:
247
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier
2370
Average Member Relationship (AMR)
engagement
Value:
$4,446
Peer Median: -
#2370 of 2556
Bottom 7.3% in <100M tier
2361
Total Loans
balance_sheet
Value:
$532,169
Peer Median: -
#2361 of 2556
Bottom 7.7% in <100M tier
2340
Total Delinquency Rate (60+ days)
risk
Value:
4.04%
Peer Median: -
#2340 of 2556
Bottom 8.5% in <100M tier
2182
Deposit Growth Rate
growth
Value:
-5.88%
Peer Median: -
#2182 of 2556
Bottom 14.7% in <100M tier