BlastPoint's Credit Union Scorecard
SCOTT
Charter #66370 · IL
SCOTT has 3 strengths but faces 9 concerns
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How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.4% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.60% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.0% in tier
- - Membership Headwinds: Bottom 8.0% in tier
- - Stagnation Risk: Bottom 11.3% in tier
- - Institutional Decline: Bottom 11.8% in tier
- - Delinquency rate 0.11% above tier average
- - Member decline: -6.3% YoY
- - Member Growth Rate: Bottom 7.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
134,916
-6.3% YoY-1.4% QoQ
|
+36.2K |
98,678
-1.9% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$1.8B
+3.2% YoY-1.7% QoQ
|
+$54.0M |
$1.7B
+0.5% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$1.2B
-1.3% YoY+3.3% QoQ
|
$-82.8M |
$1.2B
+0.5% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$1.6B
+2.5% YoY-2.1% QoQ
|
+$120.6M |
$1.5B
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
0.8%
+28.0% YoY+33.1% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.9%
+3.5% YoY+1.9% QoQ
|
+0.6% |
3.3%
+9.3% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
71.2%
+3.1% YoY-0.9% QoQ
|
-2.8% |
74.0%
-10.9% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.9%
-15.5% YoY-2.8% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
73.0%
-3.7% YoY+5.6% QoQ
|
-12.2% |
85.2%
-0.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$20,199
+7.6% YoY+1.5% QoQ
|
$-9K |
$29,172
+2.8% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.2% in tier |
| CD Concentration |
21.4%
-4.1% YoY-0.5% QoQ
|
-7.6% |
29.0%
+0.7% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
17% |
| Indirect Auto % |
35.7%
-14.4% YoY-3.0% QoQ
|
+17.0% |
18.8%
-3.0% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
83% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)