BlastPoint's Credit Union Scorecard
HEIGHTS AUTO WORKERS
Charter #65640 · IL
HEIGHTS AUTO WORKERS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.14% above tier average
- + Members Per Employee (MPE): Top 1.3% in tier
Key Concerns
Areas that may need attention
- - ROA 2.31% below tier average
- - Efficiency ratio 38.02% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,643
0% YoY0% QoQ
|
+3.0K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 10.9% in tier |
| Assets |
$29.0M
-0.3% YoY-3.1% QoQ
|
$-826K |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$11.4M
-0.2% YoY-3.9% QoQ
|
$-4.4M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$23.4M
+1.3% YoY-2.4% QoQ
|
$-2.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
-1.6%
+1313.5% YoY-1046.7% QoQ
|
-2.3% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.9% in tier |
| NIM |
6.1%
+86.5% YoY+59.4% QoQ
|
+2.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
119.4%
+22.4% YoY+23.7% QoQ
|
+38.0% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate |
0.3%
-44.9% YoY-5.9% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
48.8%
-1.5% YoY-1.6% QoQ
|
-12.5% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$6,158
+0.8% YoY-2.9% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.4% in tier |
| CD Concentration |
1.9%
-16.2% YoY+0.6% QoQ
|
-22.5% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.8%
-13.0% YoY-8.5% QoQ
|
+5.9% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)