BlastPoint's Credit Union Scorecard

SCOTT

Charter #66370 · IL

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 9 in IL

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SCOTT has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 7.9% in tier
+ ROA 0.41% above tier average
+ Net Interest Margin 0.42% above tier average
+ AMR Growth Rate: Top 7.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 65.8% in tier
- Membership Headwinds: Bottom 93.9% in tier
- Stagnation Risk: Bottom 93.9% in tier
- Member decline: -5.2% YoY
- Member Growth Rate: Bottom 7.2% in tier
- Net Charge-Off Rate: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	131,552 -5.2% YoY-0.6% QoQ	+35.5K	96,048 -2.7% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	82%
Assets	$1.8B +3.5% YoY+1.9% QoQ	+$124.7M	$1.7B +0.4% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	65%
Loans	$1.2B +9.0% YoY+2.2% QoQ	$-7.0M	$1.2B +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	60%
Deposits	$1.6B +2.7% YoY+1.8% QoQ	+$172.7M	$1.5B +0.5% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	67%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +863.4% YoY+77.5% QoQ	+0.4%	0.7% +27.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	82%
NIM	3.8% +0.5% YoY-0.8% QoQ	+0.4%	3.4% +6.2% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	73.1% -3.7% YoY+0.1% QoQ	-1.5%	74.6% -3.0% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	0.7% -36.9% YoY-28.6% QoQ	+0.0	0.8% +6.9% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	62%
Loan To Share	73.7% +6.1% YoY+0.4% QoQ	-9.5%	83.2% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	21%
AMR	$21,626 +11.0% YoY+2.6% QoQ	$-8K	$29,652 +2.3% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	Bottom 11.1% in tier
CD Concentration	21.2% -1.0% YoY+0.1% QoQ	-7.7%	28.8%	14.0%	19.8%	18%
Indirect Auto %	38.7% +0.6% YoY+12.0% QoQ	+20.6%	18.1%	7.2%	7.7%	Bottom 11.5% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#30 of 125 • Top 7.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 11.04%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#51 of 198 • Bottom 65.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.54%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 38.69%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -5.22%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY

Membership Headwinds

decline

#24 of 91 • Bottom 93.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.22%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#44 of 91 • Bottom 93.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.22%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.97%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.75%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (5 metrics)

AMR Growth Rate

growth

Value: 11.04%

Peer Median: 3.15%

#24 of 306 Top 7.5% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.12%

Peer Median: 0.66%

#55 of 306 Top 17.6% in 1B-3B tier

Total Members

engagement

Value: 131,552

Peer Median: 85,918

#55 of 306 Top 17.6% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.17%

Peer Median: 27.93%

#59 of 306 Top 19.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.77%

Peer Median: 3.37%

#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (6 metrics)

285

Member Growth Rate

growth

Value: -5.22%

Peer Median: 2.03%

#285 of 306 Bottom 7.2% in 1B-3B tier

281

Net Charge-Off Rate

risk

Value: 1.15%

Peer Median: 0.51%

#281 of 306 Bottom 8.5% in 1B-3B tier

275

Loan-to-Member Ratio (LMR)

engagement

Value: $9,173

Peer Median: $12,733

#275 of 306 Bottom 10.5% in 1B-3B tier

273

Indirect Auto Concentration (%)

balance_sheet

Value: 38.69%

Peer Median: 13.86%

#273 of 306 Bottom 11.1% in 1B-3B tier

272

Average Member Relationship (AMR)

engagement

Value: $21,626

Peer Median: $28,178

#272 of 306 Bottom 11.4% in 1B-3B tier

242

Loan-to-Share Ratio

balance_sheet

Value: 73.66%

Peer Median: 85.31%

#242 of 306 Bottom 21.2% in 1B-3B tier