BlastPoint's Credit Union Scorecard
SCOTT
Charter #66370 · IL
SCOTT has 3 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 29.5% in tier
- + Net Interest Margin 0.53% above tier average
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 23.8% in tier
- - Stagnation Risk: Bottom 34.5% in tier
- - Indirect Auto Dependency: Bottom 36.4% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.15% above tier average
- - Member decline: -6.0% YoY
- - Member Growth Rate: Bottom 7.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
- - Average Member Relationship (AMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
132,358
-6.0% YoY-1.9% QoQ
|
+34.9K |
97,431
-2.4% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$1.8B
+3.7% YoY+2.1% QoQ
|
+$86.6M |
$1.7B
+0.9% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$1.2B
+4.0% YoY+2.7% QoQ
|
$-53.5M |
$1.2B
+0.5% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$1.6B
+2.7% YoY+2.2% QoQ
|
+$150.4M |
$1.5B
+0.9% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
65% |
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 |
0.6%
+62.5% YoY-16.4% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
3.8%
+2.3% YoY-1.6% QoQ
|
+0.5% |
3.3%
+9.2% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
73.0%
+3.0% YoY+2.6% QoQ
|
-1.0% |
74.1%
-9.5% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
1.0%
-16.1% YoY+11.7% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
73.4%
+1.3% YoY+0.4% QoQ
|
-11.4% |
84.8%
-0.8% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$21,084
+9.8% YoY+4.4% QoQ
|
$-8K |
$29,428
+2.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.6% in tier |
| CD Concentration |
21.1%
-4.0% YoY-1.2% QoQ
|
-7.9% | 29.0% | 14.1% | 19.8% | 17% |
| Indirect Auto % |
34.6%
-14.4% YoY-3.3% QoQ
|
+16.2% | 18.3% | 7.1% | 7.8% | 83% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)