BlastPoint's Credit Union Scorecard
BEREAN
Charter #66089 · IL
<100M
2508 CUs in <100M nationally
137 in IL
BEREAN has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 3.73% below tier average
- - Efficiency ratio 107.29% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Total Assets: Bottom 1.0% in tier
- - Total Loans: Bottom 1.0% in tier
- - Loan-to-Share Ratio: Bottom 1.0% in tier
- - Total Deposits: Bottom 1.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
263
+0.8% YoY0% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 6.7% in tier |
| Assets |
$188,944
-11.6% YoY-1.1% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.9% in tier |
| Loans |
$7,011
-15.8% YoY-24.8% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.9% in tier |
| Deposits |
$152,433
-2.8% YoY+0.3% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.1% in tier |
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| ROA |
-3.6%
-135.8% YoY-226.0% QoQ
|
-3.7% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.8% in tier |
| NIM |
1.5%
-7.2% YoY-11.2% QoQ
|
-2.5% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio |
197.9%
+202.6% YoY+128.3% QoQ
|
+107.3% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-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 |
4.6%
-13.4% YoY-25.1% QoQ
|
-53.9% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.9% in tier |
| AMR |
$606.3
-4.2% YoY-1.1% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.4% in tier |
| 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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (14 metrics)
2497
Average Member Relationship (AMR)
engagement
Value:
$606.25
Peer Median: $13,926
#2497 of 2508
Bottom 0.5% in <100M tier
2491
Loan-to-Member Ratio (LMR)
engagement
Value:
$26.66
Peer Median: $4,923
#2491 of 2508
Bottom 0.7% in <100M tier
2485
Total Assets
balance_sheet
Value:
$188,944
Peer Median: $21.86M
#2485 of 2508
Bottom 1.0% in <100M tier
2485
Total Loans
balance_sheet
Value:
$7,011
Peer Median: $9.48M
#2485 of 2508
Bottom 1.0% in <100M tier
2484
Loan-to-Share Ratio
balance_sheet
Value:
4.60%
Peer Median: 58.72%
#2484 of 2508
Bottom 1.0% in <100M tier
2481
Total Deposits
balance_sheet
Value:
$152,433
Peer Median: $18.77M
#2481 of 2508
Bottom 1.1% in <100M tier
2464
Efficiency Ratio
profitability
Value:
197.92%
Peer Median: 81.45%
#2464 of 2508
Bottom 1.8% in <100M tier
2461
Net Interest Margin (NIM)
profitability
Value:
1.46%
Peer Median: 3.83%
#2461 of 2508
Bottom 1.9% in <100M tier
2439
Return on Assets (ROA)
profitability
Value:
-3.59%
Peer Median: 0.61%
#2439 of 2508
Bottom 2.8% in <100M tier
2428
Asset Growth Rate
growth
Value:
-11.59%
Peer Median: 1.30%
#2428 of 2508
Bottom 3.2% in <100M tier