BlastPoint's Credit Union Scorecard
BEREAN
Charter #66089 · IL
BEREAN has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 69.96% above tier (higher cost structure)
- - Member decline: -42.9% YoY
- - Member Growth Rate: Bottom 0.3% in tier
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Total Assets: Bottom 1.0% in tier
- - Total Deposits: Bottom 1.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits -4.6% year over year ($154K in shares and deposits).
- Membership: 149 members, -42.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.54%.
- Efficiency ratio 158.73% vs a 88.77% peer average.
- Loan-to-share ratio 4.33% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
149
-42.9% YoY-43.3% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 2.9% in tier |
| Assets |
$190,272
-10.0% YoY+0.7% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.9% in tier |
| Loans |
$6,654
+27.7% YoY-5.1% QoQ
|
$-15.5M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.7% in tier |
| Deposits |
$153,523
-4.6% YoY+0.7% QoQ
|
$-25.6M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.0% in tier |
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| ROA |
1.5%
-60.1% YoY-142.8% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
1.5%
+0.8% YoY+0.3% QoQ
|
-2.4% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio |
158.7%
+97.0% YoY-19.8% QoQ
|
+70.0% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
4.3%
+33.9% YoY-5.8% QoQ
|
-54.6% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.7% in tier |
| AMR |
$1,075
+68.8% YoY+77.3% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.1% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)