BlastPoint's Credit Union Scorecard

BETHEL A.M.E. CHURCH

Charter #65680 · IL

<100M
2556 CUs in <100M nationally 138 in IL

BETHEL A.M.E. CHURCH faces 8 concerns requiring attention

National Analysis

How does the industry compare?
IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - ROA 1.96% below tier average
  • - Efficiency ratio 153.65% above tier (higher cost structure)
  • - Loan Growth Rate: Bottom 0.0% in tier
  • - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
  • - Net Charge-Off Rate: Bottom 0.0% in tier
  • - Indirect Auto Concentration (%): Bottom 0.0% in tier
  • - First Mortgage Concentration (%): Bottom 0.0% in tier
  • - Members Per Employee (MPE): Bottom 0.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Members 92
+1.1% YoY0% QoQ
 -2.5K 2,615
-1.9% YoY
 21,665
+5.6% YoY
 33,374
+5.7% YoY
 Bottom 0.9% in tier
Assets $52,937
-5.2% YoY-0.7% QoQ
 $-30.1M $30.1M
+2.1% YoY
 $394.9M
+10.3% YoY
 $561.6M
+9.7% YoY
 Bottom 0.1% in tier
Loans $0.0 $-15.8M $15.8M
-1.3% YoY
 $275.6M
+9.5% YoY
 $397.0M
+8.8% YoY
 Bottom 0.1% in tier
Deposits $44,039
-4.7% YoY-0.9% QoQ
 $-25.6M $25.7M
+1.4% YoY
 $330.4M
+9.6% YoY
 $477.3M
+9.7% YoY
 Bottom 0.2% in tier

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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 -1.3%
-76.9% YoY-30.9% QoQ
 -2.0% 0.6%
+10.8% YoY
 0.6%
-12.3% YoY
 0.7%
+15.9% YoY
 Bottom 4.5% in tier
NIM 1.0%
+23.3% YoY-24.6% QoQ
 -3.0% 4.0%
+4.0% YoY
 3.6%
+3.6% YoY
 3.8%
+5.1% YoY
 Bottom 0.8% in tier
Efficiency Ratio 236.2%
-71.4% YoY-5.0% QoQ
 +153.6% 82.6%
-2.3% YoY
 89.8%
+8.5% YoY
 79.7%
-3.3% YoY
 Bottom 0.7% in tier
Delinquency Rate - - 1.6%
-3.1% YoY
 1.1%
-24.1% YoY
 1.3%
-2.1% YoY
 -
Loan To Share 0.0% -60.6% 60.6%
-3.1% YoY
 62.0%
-1.0% YoY
 67.4%
-1.7% YoY
 Bottom 0.1% in tier
AMR $478.7
-5.8% YoY-0.9% QoQ
 $-14K $14,783
-1.4% YoY
 $15,477
+4.9% YoY
 $19,687
+2.0% YoY
 Bottom 0.4% in tier
CD Concentration 0.0% -24.4% 24.4% 14.1% 19.8% 50%
Indirect Auto % - - 13.8% 7.1% 7.8% -

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)

Comparing against 2556 peers in tier

Top Strengths (2 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
572
Member Growth Rate
growth
Value: 1.10%
Peer Median: -
#572 of 2556 Top 22.3% in <100M tier

Top Weaknesses (20 metrics)

2556
Loan Growth Rate
growth
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.1% in <100M tier
2556
Total Delinquency Rate (60+ days)
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.1% in <100M tier
2556
Net Charge-Off Rate
risk
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.1% in <100M tier
2556
Indirect Auto Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.1% in <100M tier
2556
First Mortgage Concentration (%)
balance_sheet
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.1% in <100M tier
2556
Members Per Employee (MPE)
engagement
Value: -
Peer Median: -
#2556 of 2556 Bottom 0.1% in <100M tier
2553
Total Assets
balance_sheet
Value: $52,937
Peer Median: -
#2553 of 2556 Bottom 0.2% in <100M tier
2550
Total Deposits
balance_sheet
Value: $44,039
Peer Median: -
#2550 of 2556 Bottom 0.3% in <100M tier
2546
Average Member Relationship (AMR)
engagement
Value: $478.68
Peer Median: -
#2546 of 2556 Bottom 0.4% in <100M tier
2544
Total Loans
balance_sheet
Value: $0.00
Peer Median: -
#2544 of 2556 Bottom 0.5% in <100M tier
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