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 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 10.25% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,128
-1.3% YoY-0.7% QoQ
|
-487 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$38.8M
-3.4% YoY-2.1% QoQ
|
+$8.7M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$19.5M
-11.2% YoY-3.1% QoQ
|
+$3.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$33.1M
-4.4% YoY-2.7% QoQ
|
+$7.4M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.2%
+252.0% YoY-29.8% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.7%
+20.3% YoY+4.1% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
92.8%
+1.9% YoY+2.0% QoQ
|
+10.3% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.3%
-69.8% YoY-72.8% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
59.0%
-7.1% YoY-0.4% QoQ
|
-1.6% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$24,747
-5.8% YoY-2.1% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 8.7% in tier |
| CD Concentration |
17.7%
-18.9% YoY+4.8% QoQ
|
-6.8% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
19.0%
+14.4% YoY+3.5% QoQ
|
+5.2% | 13.8% | 7.1% | 7.8% | 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)