BlastPoint's Credit Union Scorecard

IMPERIAL

Charter #66300 · IL

<100M
2508 CUs in <100M nationally 137 in IL

IMPERIAL has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?
IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 3.68% above tier average
  • + Loan Growth Rate: Top 2.4% in tier
  • + AMR Growth Rate: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 10.39% above tier average
  • - Member decline: -5.0% YoY
  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Total Assets: Bottom 0.3% in tier
  • - Average Member Relationship (AMR): Bottom 0.3% in tier
  • - Total Deposits: Bottom 0.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
  • - Total Loans: 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 192
-5.0% YoY-1.5% QoQ
 -2.5K 2,676
+1.6% YoY
 22,133
+6.8% YoY
 33,913
+5.7% YoY
 Bottom 4.4% in tier
Assets $76,971
+4.4% YoY+3.3% QoQ
 $-30.1M $30.2M
+1.3% YoY
 $406.0M
+9.7% YoY
 $578.3M
+9.0% YoY
 Bottom 0.3% in tier
Loans $12,374
+25.1% YoY-8.8% QoQ
 $-15.3M $15.3M
-2.0% YoY
 $279.6M
+10.0% YoY
 $402.4M
+8.7% YoY
 Bottom 1.1% in tier
Deposits $70,208
+4.0% YoY+2.5% QoQ
 $-25.7M $25.8M
+0.7% YoY
 $344.9M
+10.3% YoY
 $494.3M
+9.1% YoY
 Bottom 0.4% in tier

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 3.8%
+64.9% YoY+838.7% QoQ
 +3.7% 0.1%
-77.6% YoY
 0.5%
-57.9% YoY
 0.4%
-39.2% YoY
 Top 1.1% in tier
NIM 3.2%
-5.7% YoY+11.0% QoQ
 -0.8% 4.0%
+4.0% YoY
 3.7%
-0.2% YoY
 3.8%
+4.1% YoY
 25%
Efficiency Ratio 61.9%
-23.8% YoY-34.8% QoQ
 -28.7% 90.6%
+6.5% YoY
 87.0%
+8.4% YoY
 84.6%
+2.8% YoY
 Top 14.3% in tier
Delinquency Rate 11.9%
+326.3% YoY+267.0% QoQ
 +10.4 1.5%
+3.8% YoY
 1.2%
+7.3% YoY
 1.2%
+3.4% YoY
 Bottom 1.8% in tier
Loan To Share 17.6%
+20.3% YoY-11.1% QoQ
 -40.9% 58.5%
-3.0% YoY
 60.2%
-0.9% YoY
 65.6%
-1.4% YoY
 Bottom 4.0% in tier
AMR $430.1
+12.2% YoY+2.2% QoQ
 $-14K $14,884
-1.7% YoY
 $15,723
+4.6% YoY
 $19,920
+1.6% YoY
 Bottom 0.3% 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)

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

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
28
Return on Assets (ROA)
profitability
Value: 3.82%
Peer Median: 0.61%
#28 of 2508 Top 1.1% in <100M tier
61
Loan Growth Rate
growth
Value: 25.12%
Peer Median: -2.36%
#61 of 2508 Top 2.4% in <100M tier
167
AMR Growth Rate
growth
Value: 12.22%
Peer Median: 1.27%
#167 of 2508 Top 6.6% in <100M tier
360
Efficiency Ratio
profitability
Value: 61.90%
Peer Median: 81.45%
#360 of 2508 Top 14.3% 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 (11 metrics)

2508
Members Per Employee (MPE)
engagement
Value: -
Peer Median: 333.750
#2508 of 2508 Bottom 0.1% in <100M tier
2501
Total Assets
balance_sheet
Value: $76,971
Peer Median: $21.86M
#2501 of 2508 Bottom 0.3% in <100M tier
2501
Average Member Relationship (AMR)
engagement
Value: $430.11
Peer Median: $13,926
#2501 of 2508 Bottom 0.3% in <100M tier
2497
Total Deposits
balance_sheet
Value: $70,208
Peer Median: $18.77M
#2497 of 2508 Bottom 0.5% in <100M tier
2482
Loan-to-Member Ratio (LMR)
engagement
Value: $64.45
Peer Median: $4,923
#2482 of 2508 Bottom 1.1% in <100M tier
2481
Total Loans
balance_sheet
Value: $12,374
Peer Median: $9.48M
#2481 of 2508 Bottom 1.1% in <100M tier
2465
Total Delinquency Rate (60+ days)
risk
Value: 11.90%
Peer Median: 0.65%
#2465 of 2508 Bottom 1.8% in <100M tier
2406
Loan-to-Share Ratio
balance_sheet
Value: 17.62%
Peer Median: 58.72%
#2406 of 2508 Bottom 4.1% in <100M tier
2396
Total Members
engagement
Value: 192
Peer Median: 1,918
#2396 of 2508 Bottom 4.5% in <100M tier
2282
Net Worth Ratio
risk
Value: 8.79%
Peer Median: 14.28%
#2282 of 2508 Bottom 9.1% in <100M tier
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