BlastPoint's Credit Union Scorecard
MWRD EMPLOYEES
Charter #65843 · IL
MWRD EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 9.59% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,143
-0.9% YoY0% QoQ
|
-482 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$39.6M
-2.9% YoY-1.9% QoQ
|
+$9.8M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$20.2M
-9.6% YoY-3.5% QoQ
|
+$4.4M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$34.0M
-3.2% YoY-2.3% QoQ
|
+$8.6M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
69% |
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| ROA |
0.3%
+233.9% YoY+20.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
3.5%
+15.9% YoY+4.4% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
91.0%
+3.0% YoY-1.5% QoQ
|
+9.6% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.9%
+39.4% YoY+6.8% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
59.2%
-6.6% YoY-1.2% QoQ
|
-2.0% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$25,290
-4.8% YoY-2.7% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 7.6% in tier |
| CD Concentration |
16.9%
-23.4% YoY+7.5% QoQ
|
-7.6% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.4%
+13.4% YoY+3.6% QoQ
|
+4.4% |
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)