BlastPoint's Credit Union Scorecard
MT. ZION
Charter #67024 · IL
2556 CUs in <100M nationally
138 in IL
MT. ZION has 9 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 1.0% in tier
- + Asset Growth Rate: Top 1.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.62% above tier average
- - Member decline: -23.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 1.6% in tier
- - Total Assets: Bottom 2.6% in tier
- - Total Loans: Bottom 2.7% in tier
- - Total Deposits: Bottom 3.0% in tier
- - Total Members: Bottom 3.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Average Member Relationship (AMR): Bottom 3.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 5.0% in tier
- - Net Interest Margin (NIM): Bottom 5.6% in tier
- - Loan-to-Share Ratio: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
164
-23.4% YoY-18.8% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 3.4% in tier |
| Assets |
$415,398
+24.5% YoY+4.0% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.6% in tier |
| Loans |
$85,154
+106.0% YoY+5.5% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.6% in tier |
| Deposits |
$342,933
+29.7% YoY+5.2% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.9% in tier |
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| ROA |
0.7%
-23.7% YoY-45.7% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
2.2%
-11.3% YoY-25.5% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.5% in tier |
| Efficiency Ratio |
67.0%
+8.5% YoY+22.4% QoQ
|
-15.5% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
6.2%
-67.7% YoY-15.4% QoQ
|
+4.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 4.7% in tier |
| Loan To Share |
24.8%
+58.8% YoY+0.2% QoQ
|
-35.8% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.6% in tier |
| AMR |
$2,610
+82.8% YoY+29.6% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
7
AMR Growth Rate
growth
Value:
82.77%
Peer Median: -
#7 of 2556
Top 0.2% in <100M tier
8
Loan Growth Rate
growth
Value:
106.04%
Peer Median: -
#8 of 2556
Top 0.3% in <100M tier
27
Deposit Growth Rate
growth
Value:
29.75%
Peer Median: -
#27 of 2556
Top 1.0% in <100M tier
30
Asset Growth Rate
growth
Value:
24.46%
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
548
Efficiency Ratio
profitability
Value:
67.02%
Peer Median: -
#548 of 2556
Top 21.4% in <100M tier
Top Weaknesses (12 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2517
Member Growth Rate
growth
Value:
-23.36%
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2490
Total Assets
balance_sheet
Value:
$415,398
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2489
Total Loans
balance_sheet
Value:
$85,154
Peer Median: -
#2489 of 2556
Bottom 2.7% in <100M tier
2481
Total Deposits
balance_sheet
Value:
$342,933
Peer Median: -
#2481 of 2556
Bottom 3.0% in <100M tier
2467
Total Members
engagement
Value:
164
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2463
Loan-to-Member Ratio (LMR)
engagement
Value:
$519.23
Peer Median: -
#2463 of 2556
Bottom 3.7% in <100M tier
2459
Average Member Relationship (AMR)
engagement
Value:
$2,610
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2438
Total Delinquency Rate (60+ days)
risk
Value:
6.17%
Peer Median: -
#2438 of 2556
Bottom 4.7% in <100M tier
2429
Fee Income Per Member
profitability
Value:
$0.30
Peer Median: -
#2429 of 2556
Bottom 5.0% in <100M tier