BlastPoint's Credit Union Scorecard
GAS AND ELECTRIC
Charter #65003 · IL
GAS AND ELECTRIC has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.14% above tier average
- + Average Member Relationship (AMR): Top 8.2% in tier
- + Loan-to-Member Ratio (LMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Total Members: Bottom 4.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Illinois.
- Shares and deposits +4.6% year over year ($118M in shares and deposits).
- Membership: 5,547 members, -0.7% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 1.00%.
- Efficiency ratio 72.49% vs a 76.73% peer average.
- Loan-to-share ratio 74.26% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,547
-0.7% YoY+0.3% QoQ
|
-9.6K |
15,168
-2.6% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 4.8% in tier |
| Assets |
$132.1M
+5.2% YoY+0.1% QoQ
|
$-99.9M |
$232.0M
+0.7% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$87.4M
+5.7% YoY+3.0% QoQ
|
$-58.9M |
$146.3M
+0.2% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$117.7M
+4.6% YoY-0.0% QoQ
|
$-83.0M |
$200.7M
+0.2% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
1.0%
+18.1% YoY+48.2% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.0%
+10.3% YoY+2.4% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
72.5%
-5.9% YoY-5.5% QoQ
|
-4.2% |
76.7%
-0.8% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
0.4%
-37.5% YoY+43.2% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
26% |
| Loan To Share |
74.3%
+1.0% YoY+3.0% QoQ
|
+2.7% |
71.5%
-0.3% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$36,973
+5.8% YoY+1.0% QoQ
|
+$12K |
$25,107
+3.2% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Top 8.3% in tier |
| CD Concentration |
33.2%
+3.9% YoY+5.2% QoQ
|
+8.7% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)