BlastPoint's Credit Union Scorecard
IMPERIAL
Charter #66300 · IL
IMPERIAL has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 12.33% above tier (higher cost structure)
- - Delinquency rate 1.69% above tier average
- - Member decline: -2.5% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.3% in tier
- - Average Member Relationship (AMR): Bottom 0.4% in tier
- - Total Deposits: Bottom 0.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
195
-2.5% YoY-2.0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 4.6% in tier |
| Assets |
$74,490
+1.2% YoY+1.0% QoQ
|
$-30.1M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.2% in tier |
| Loans |
$13,575
+5.0% YoY+45.5% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.1% in tier |
| Deposits |
$68,463
+3.1% YoY+0.7% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.5% in tier |
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| ROA |
0.4%
-294.7% YoY-609.7% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
2.9%
+21.0% YoY+0.4% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
94.9%
-7.7% YoY-6.1% QoQ
|
+12.3% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
3.2%
-81.8% YoY-42.2% QoQ
|
+1.7 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.7% in tier |
| Loan To Share |
19.8%
+1.8% YoY+44.6% QoQ
|
-40.8% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.7% in tier |
| AMR |
$420.7
+6.1% YoY+8.2% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)