BlastPoint's Credit Union Scorecard

CATHOLIC & COMMUNITY

Charter #65735 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

CATHOLIC & COMMUNITY has 1 strength but faces 5 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

+ First Mortgage Concentration (%): Top 2.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 0.6% in tier
- Net Interest Margin (NIM): Bottom 6.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	13,297 -0.7% YoY-0.0% QoQ	-1.8K	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	50%
Assets	$220.0M +1.5% YoY+0.8% QoQ	$-11.7M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	56%
Loans	$108.3M +6.7% YoY+1.9% QoQ	$-35.9M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	42%
Deposits	$201.6M +2.7% YoY+0.8% QoQ	+$451K	$201.1M +0.4% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	59%

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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	0.7% +551.3% YoY+22.8% QoQ	+0.0%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	50%
NIM	2.6% +23.5% YoY+1.5% QoQ	-1.0%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	Bottom 6.0% in tier
Efficiency Ratio	77.7% -16.6% YoY+1.5% QoQ	-0.4%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.3% -31.7% YoY-24.4% QoQ	-0.5	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	19%
Loan To Share	53.7% +3.9% YoY+1.0% QoQ	-16.7%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	16%
AMR	$23,301 +4.8% YoY+1.3% QoQ	$-2K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	52%
CD Concentration	29.3% -2.6% YoY-1.6% QoQ	+5.1%	24.3%	14.0%	19.8%	50%
Indirect Auto %	76.1% -2.3% YoY-1.6% QoQ	+62.3%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk

#121 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.53%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 76.12%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Membership Headwinds

decline

#544 of 570 • 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): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#560 of 570 • 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): -0.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 6.73%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.26%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 1.86%

Peer Median: 29.47%

#30 of 1070 Top 2.7% in 100M-500M tier

204

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: 0.61%

#204 of 1070 Top 19.0% in 100M-500M tier

235

Members Per Employee (MPE)

engagement

Value: 391.088

Peer Median: 309.176

#235 of 1070 Top 21.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1065

Indirect Auto Concentration (%)

balance_sheet

Value: 76.12%

Peer Median: 6.61%

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1006

Net Interest Margin (NIM)

profitability

Value: 2.62%

Peer Median: 3.62%

#1006 of 1070 Bottom 6.1% in 100M-500M tier

901

Loan-to-Share Ratio

balance_sheet

Value: 53.70%

Peer Median: 71.88%

#901 of 1070 Bottom 15.9% in 100M-500M tier

804

Fee Income Per Member

profitability

Value: $110.45

Peer Median: $154.95

#804 of 1070 Bottom 25.0% in 100M-500M tier