BlastPoint's Credit Union Scorecard
MT. ZION
Charter #67024 · IL
<100M
2508 CUs in <100M nationally
137 in IL
MT. ZION has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + AMR Growth Rate: Top 0.4% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 1.6% in tier
- + Asset Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.94% above tier average
- - Member decline: -22.7% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 1.7% in tier
- - Total Loans: Bottom 2.6% in tier
- - Total Assets: Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - Total Deposits: Bottom 3.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
163
-22.7% YoY-0.6% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 3.3% in tier |
| Assets |
$435,144
+15.7% YoY+4.8% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.6% in tier |
| Loans |
$82,792
+57.6% YoY-2.8% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.6% in tier |
| Deposits |
$362,350
+20.2% YoY+5.7% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.0% in tier |
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| ROA |
0.3%
-93.4% YoY-59.2% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
1.8%
-71.1% YoY-18.4% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio |
83.6%
+204.9% YoY+24.8% QoQ
|
-7.0% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
5.4%
-60.8% YoY-11.9% QoQ
|
+3.9 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.4% in tier |
| Loan To Share |
22.8%
+31.1% YoY-8.0% QoQ
|
-35.7% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.3% in tier |
| AMR |
$2,731
+62.8% YoY+4.6% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.1% 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)
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
11
AMR Growth Rate
growth
Value:
62.76%
Peer Median: 1.27%
#11 of 2508
Top 0.4% in <100M tier
19
Loan Growth Rate
growth
Value:
57.58%
Peer Median: -2.36%
#19 of 2508
Top 0.7% in <100M tier
42
Deposit Growth Rate
growth
Value:
20.18%
Peer Median: 0.66%
#42 of 2508
Top 1.6% in <100M tier
58
Asset Growth Rate
growth
Value:
15.73%
Peer Median: 1.30%
#58 of 2508
Top 2.3% 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 (12 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2467
Member Growth Rate
growth
Value:
-22.75%
Peer Median: -1.37%
#2467 of 2508
Bottom 1.7% in <100M tier
2444
Total Loans
balance_sheet
Value:
$82,792
Peer Median: $9.48M
#2444 of 2508
Bottom 2.6% in <100M tier
2443
Total Assets
balance_sheet
Value:
$435,144
Peer Median: $21.86M
#2443 of 2508
Bottom 2.6% in <100M tier
2437
Net Interest Margin (NIM)
profitability
Value:
1.82%
Peer Median: 3.83%
#2437 of 2508
Bottom 2.9% in <100M tier
2433
Total Deposits
balance_sheet
Value:
$362,350
Peer Median: $18.77M
#2433 of 2508
Bottom 3.0% in <100M tier
2423
Total Members
engagement
Value:
163
Peer Median: 1,918
#2423 of 2508
Bottom 3.4% in <100M tier
2414
Loan-to-Member Ratio (LMR)
engagement
Value:
$507.93
Peer Median: $4,923
#2414 of 2508
Bottom 3.8% in <100M tier
2405
Average Member Relationship (AMR)
engagement
Value:
$2,731
Peer Median: $13,926
#2405 of 2508
Bottom 4.1% in <100M tier
2373
Total Delinquency Rate (60+ days)
risk
Value:
5.44%
Peer Median: 0.65%
#2373 of 2508
Bottom 5.4% in <100M tier