BlastPoint's Credit Union Scorecard

GAS AND ELECTRIC

Charter #65003 · IL

100M-500M

1069 CUs in 100M-500M nationally 30 in IL

GAS AND ELECTRIC has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Average Member Relationship (AMR): Top 8.1% in tier
+ Loan-to-Member Ratio (LMR): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.15% below tier average
- Efficiency ratio 3.54% above tier (higher cost structure)
- Total Members: Bottom 4.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	5,526 -1.4% YoY-0.7% QoQ	-9.9K	15,437 -2.9% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	Bottom 4.3% in tier
Assets	$128.0M +5.2% YoY+1.8% QoQ	$-103.8M	$231.9M +1.3% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	19%
Loans	$85.0M +3.8% YoY+3.1% QoQ	$-62.3M	$147.3M -0.1% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	25%
Deposits	$113.2M +3.2% YoY+1.1% QoQ	$-87.6M	$200.8M +0.8% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +86.6% YoY-32.0% QoQ	-0.2%	0.8% +18.2% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	39%
NIM	2.7% +0.8% YoY-5.4% QoQ	-0.9%	3.6% +6.7% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	Bottom 8.6% in tier
Efficiency Ratio	80.6% -5.3% YoY+6.6% QoQ	+3.5%	77.0% -3.1% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	62%
Delinquency Rate	0.7% +6.8% YoY-4.6% QoQ	-0.2	0.9% +4.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	47%
Loan To Share	75.1% +0.6% YoY+2.0% QoQ	+2.9%	72.2% -1.1% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	52%
AMR	$35,873 +4.9% YoY+2.6% QoQ	+$11K	$24,676 +3.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	Top 8.2% in tier
CD Concentration	31.5% +7.0% YoY-2.4% QoQ	+7.1%	24.4%	14.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#138 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.94%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline

#428 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#440 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.55%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Stagnation Risk

risk

#467 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.39%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.83%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.67%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#610 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#405 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.83%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,873

Peer Median: -

#88 of 1069 Top 8.1% in 100M-500M tier

105

Loan-to-Member Ratio (LMR)

engagement

Value: $15,388

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1023

Total Members

engagement

Value: 5,526

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

977

Net Interest Margin (NIM)

profitability

Value: 2.68%

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

923

First Mortgage Concentration (%)

balance_sheet

Value: 50.20%

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier

868

Total Assets

balance_sheet

Value: $128.03M

Peer Median: -

#868 of 1069 Bottom 18.9% in 100M-500M tier

853

Total Deposits

balance_sheet

Value: $113.20M

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier

817

Share Certificate Concentration (%)

balance_sheet

Value: 31.52%

Peer Median: -

#817 of 1069 Bottom 23.7% in 100M-500M tier