BlastPoint's Credit Union Scorecard
IMPERIAL
Charter #66300 · IL
IMPERIAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Loan Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 22.17% above tier average
- - Member decline: -6.3% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Assets: Bottom 0.2% in tier
- - Average Member Relationship (AMR): Bottom 0.2% in tier
- - Total Deposits: Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.9% 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 -2.0% year over year ($69K in shares and deposits).
- Membership: 192 members, -6.3% vs a year ago.
- Delinquency rate 23.71%.
- Return on assets 2.20%.
- Efficiency ratio 72.29% vs a 88.77% peer average.
- Loan-to-share ratio 15.49% 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 |
192
-6.3% YoY0% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 4.4% in tier |
| Assets |
$76,085
-0.4% YoY-1.2% QoQ
|
$-30.2M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.2% in tier |
| Loans |
$10,677
+12.4% YoY-13.7% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.9% in tier |
| Deposits |
$68,919
-2.0% YoY-1.8% QoQ
|
$-25.7M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.2%
+220.4% YoY-42.4% QoQ
|
+0.7% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 7.5% in tier |
| NIM |
3.2%
+6.2% YoY-0.7% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
72.3%
-21.6% YoY+16.8% QoQ
|
-16.5% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
23.7%
+330.5% YoY+99.4% QoQ
|
+22.2 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.8% in tier |
| Loan To Share |
15.5%
+14.8% YoY-12.1% QoQ
|
-43.4% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.2% in tier |
| AMR |
$414.6
+6.4% YoY-3.6% QoQ
|
$-15K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.2% 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)