BlastPoint's Credit Union Scorecard
ROCKFORD BELL
Charter #65955 · IL
ROCKFORD BELL has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Loan-to-Share Ratio: Top 2.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 15.32% above tier (higher cost structure)
- - Member decline: -5.0% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,377
-5.0% YoY-1.7% QoQ
|
+693 |
2,683
-1.2% YoY
|
19,719
+5.1% YoY
|
31,195
+5.6% YoY
|
71% |
| Assets |
$36.4M
-9.1% YoY-4.9% QoQ
|
+$6.9M |
$29.5M
+0.1% YoY
|
$346.5M
+5.8% YoY
|
$507.9M
+7.0% YoY
|
67% |
| Loans |
$33.2M
-6.1% YoY-1.8% QoQ
|
+$17.1M |
$16.1M
+0.3% YoY
|
$237.1M
+1.3% YoY
|
$358.1M
+5.9% YoY
|
84% |
| Deposits |
$31.3M
-10.6% YoY-5.1% QoQ
|
+$5.9M |
$25.4M
-0.8% YoY
|
$284.8M
+7.1% YoY
|
$425.3M
+6.5% YoY
|
67% |
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| ROA |
0.1%
-79.1% QoQ
|
+0.2% |
-0.1%
-119.4% YoY
|
-8.6%
-1303.7% YoY
|
0.2%
-69.3% YoY
|
20% |
| NIM |
3.7%
+23.7% YoY+3.1% QoQ
|
-0.1% |
3.8%
+12.5% YoY
|
3.6%
+13.1% YoY
|
3.6%
+9.2% YoY
|
49% |
| Efficiency Ratio |
98.7%
-0.5% YoY+5.3% QoQ
|
+15.3% |
83.4%
-1.6% YoY
|
82.0%
-4.6% YoY
|
81.8%
-0.3% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
0.3%
-25.3% YoY-18.6% QoQ
|
-1.3 |
1.5%
+12.6% YoY
|
1.7%
+8.9% YoY
|
1.2%
+14.8% YoY
|
32% |
| Loan To Share |
106.2%
+5.0% YoY+3.5% QoQ
|
+43.1% |
63.1%
+2.1% YoY
|
63.4%
+0.9% YoY
|
69.2%
+1.2% YoY
|
Top 3.1% in tier |
| AMR |
$19,113
-3.5% YoY-1.7% QoQ
|
+$4K |
$15,039
+4.8% YoY
|
$14,628
-0.4% YoY
|
$19,175
+3.6% YoY
|
78% |
| CD Concentration |
4.1%
+2.8% YoY+14.7% QoQ
|
-19.3% | 23.4% | 13.2% | 18.5% | 50% |
| Indirect Auto % | 0.0% | -14.8% | 14.8% | 6.9% | 8.1% | 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)