BlastPoint's Credit Union Scorecard
B.E.A.
Charter #65759 · IL
2556 CUs in <100M nationally
138 in IL
B.E.A. has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.4% in tier
- + Net Worth Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Delinquency rate 1.54% above tier average
- - Deposit Growth Rate: Bottom 4.4% in tier
- - AMR Growth Rate: Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 6.2% in tier
- - Net Charge-Off Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
423
-1.4% YoY-0.7% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 11.7% in tier |
| Assets |
$2.3M
-8.8% YoY-1.1% QoQ
|
$-27.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.6% in tier |
| Loans |
$1.8M
-13.6% YoY-10.1% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$1.6M
-12.4% YoY-0.9% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.1% in tier |
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| ROA |
0.5%
+7.9% YoY-57.7% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
5.2%
+19.3% YoY+1.8% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
78.2%
-3.1% YoY+2.9% QoQ
|
-4.3% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
3.1%
+50.6% YoY+9.5% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 12.4% in tier |
| Loan To Share |
110.9%
-1.3% YoY-9.2% QoQ
|
+50.3% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Top 1.6% in tier |
| AMR |
$8,061
-11.8% YoY-5.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
38
Loan-to-Share Ratio
balance_sheet
Value:
110.94%
Peer Median: -
#38 of 2556
Top 1.4% in <100M tier
212
Net Worth Ratio
risk
Value:
27.24%
Peer Median: -
#212 of 2556
Top 8.3% in <100M tier
254
Net Interest Margin (NIM)
profitability
Value:
5.23%
Peer Median: -
#254 of 2556
Top 9.9% in <100M tier
Top Weaknesses (13 metrics)
2444
Deposit Growth Rate
growth
Value:
-12.38%
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2435
AMR Growth Rate
growth
Value:
-11.76%
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2399
Asset Growth Rate
growth
Value:
-8.83%
Peer Median: -
#2399 of 2556
Bottom 6.2% in <100M tier
2371
Net Charge-Off Rate
risk
Value:
1.72%
Peer Median: -
#2371 of 2556
Bottom 7.3% in <100M tier
2299
Total Deposits
balance_sheet
Value:
$1.62M
Peer Median: -
#2299 of 2556
Bottom 10.1% in <100M tier
2286
Total Assets
balance_sheet
Value:
$2.32M
Peer Median: -
#2286 of 2556
Bottom 10.6% in <100M tier
2258
Total Members
engagement
Value:
423
Peer Median: -
#2258 of 2556
Bottom 11.7% in <100M tier
2239
Total Delinquency Rate (60+ days)
risk
Value:
3.09%
Peer Median: -
#2239 of 2556
Bottom 12.4% in <100M tier
2233
Loan Growth Rate
growth
Value:
-13.55%
Peer Median: -
#2233 of 2556
Bottom 12.7% in <100M tier
2142
Total Loans
balance_sheet
Value:
$1.79M
Peer Median: -
#2142 of 2556
Bottom 16.2% in <100M tier