BlastPoint's Credit Union Scorecard
PEORIA BELL
Charter #65905 · IL
PEORIA BELL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.05% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 1.7% in tier
- + Loan-to-Share Ratio: Top 3.3% in tier
- + Net Charge-Off Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
- - Efficiency ratio 24.05% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
618
-0.8% YoY+0.5% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$6.0M
-2.6% YoY+0.4% QoQ
|
$-24.2M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$3.4M
+1.0% YoY+2.1% QoQ
|
$-11.9M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$3.4M
-3.7% YoY+1.0% QoQ
|
$-22.4M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
-0.6%
-1223.6% YoY+150.6% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.9% in tier |
| NIM |
4.1%
-0.1% YoY-1.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
114.7%
+16.2% YoY+8.4% QoQ
|
+24.0% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
99.5%
+4.9% YoY+1.1% QoQ
|
+41.0% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Top 3.4% in tier |
| AMR |
$10,985
-0.6% YoY+1.1% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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)