BlastPoint's Credit Union Scorecard
CATHOLIC & COMMUNITY
Charter #65735 · IL
CATHOLIC & COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + First Mortgage Concentration (%): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.20% below tier average
- - Indirect Auto Concentration (%): Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,303
-0.3% YoY-1.2% QoQ
|
-2.1K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$218.2M
+4.5% YoY-0.9% QoQ
|
$-13.7M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$106.3M
+4.2% YoY+1.1% QoQ
|
$-41.1M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$199.9M
+5.1% YoY+1.3% QoQ
|
$-917K |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.6%
+485.2% YoY-8.4% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
2.6%
+26.8% YoY+1.5% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
76.5%
-15.1% YoY-1.3% QoQ
|
-0.5% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.3%
-28.0% YoY+14.8% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
53.2%
-0.9% YoY-0.2% QoQ
|
-19.1% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.3% in tier |
| AMR |
$23,014
+5.1% YoY+2.5% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
29.8%
-3.7% YoY-0.8% QoQ
|
+5.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
77.4%
-0.0% YoY-2.0% QoQ
|
+63.6% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)