BlastPoint's Credit Union Scorecard

ALLIANT

Charter #67955 · IL

Titans 10B+

24 CUs in 10B+ nationally 1 in IL

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ALLIANT has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 75.0% in tier
+ Organic Growth Engine: Top 75.0% in tier
+ Members Per Employee (MPE): Top 0.1% in tier
+ Efficiency Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 20.8% in tier
- Shrinking Wallet Share: Bottom 95.8% in tier
- ROA 0.30% below tier average
- Fee Income Per Member: Bottom 4.2% in tier
- Net Interest Margin (NIM): Bottom 8.3% in tier
- Deposit Growth Rate: Bottom 8.3% in tier
- AMR Growth Rate: Bottom 8.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	938,005 +2.7% YoY+1.6% QoQ	-774.6K	1,712,610 -8.0% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	42%
Assets	$19.7B +0.0% YoY-3.0% QoQ	$-8.5B	$28.2B -3.2% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	54%
Loans	$15.7B +1.6% YoY-0.8% QoQ	$-4.4B	$20.2B -4.4% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	50%
Deposits	$16.3B +1.2% YoY+0.7% QoQ	$-7.8B	$24.1B -2.9% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	54%

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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	0.6% +47.6% YoY+7.9% QoQ	-0.3%	0.9% +31.5% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	25%
NIM	2.4% +15.8% YoY+6.7% QoQ	-0.8%	3.2% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	Bottom 4.2% in tier
Efficiency Ratio	49.2% -7.4% YoY-1.0% QoQ	-14.7%	63.9% -3.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Top 8.3% in tier
Delinquency Rate	0.9% -11.5% YoY+11.6% QoQ	+0.0	0.9% -6.9% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	50%
Loan To Share	96.3% +0.4% YoY-1.5% QoQ	+10.2%	86.0% -3.3% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	79%
AMR	$34,144 -1.3% YoY-1.6% QoQ	+$2K	$32,099 +9.5% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	71%
CD Concentration	35.8% -5.5% YoY-5.0% QoQ	+5.6%	30.2%	14.0%	19.8%	79%
Indirect Auto %	1.1% -52.4% YoY-13.7% QoQ	-13.9%	14.9%	7.2%	7.7%	Top 12.5% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#8 of 9 • Top 75.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.71%

(Tier: 8.10%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 1.09%

(Tier: 14.95%, National: 7.73%)

better than tier avg

9 of 24 Titans CUs have this signature | 518 nationally

→ No prior data (9 CUs now) | New qualifier

Organic Growth Engine

growth

#9 of 10 • Top 75.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.71%

(Tier: 8.10%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.59%

(Tier: 0.90%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 1.09%

(Tier: 14.95%, National: 7.73%)

better than tier avg

10 of 24 Titans CUs have this signature | 499 nationally

→ No prior data (10 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#7 of 10 • Bottom 20.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.25%

(Tier: 86.02%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.60%

(Tier: 12.96%, National: 1.74%)

worse than tier avg

10 of 24 Titans CUs have this signature | 367 nationally

→ Stable (9→10 CUs) +1 CUs YoY

Shrinking Wallet Share

decline

#2 of 2 • Bottom 95.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.27%

(Tier: 4.48%, National: 6.36%)

worse than tier avg

2 of 24 Titans CUs have this signature | 335 nationally

→ Stable (6→2 CUs) -4 CUs YoY | 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 24 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 1024.023

Peer Median: 449.876

#1 of 24 Top 0.1% in 10B+ tier

Efficiency Ratio

profitability

Value: 49.19%

Peer Median: 62.83%

#3 of 24 Top 8.3% in 10B+ tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.09%

Peer Median: 10.97%

#4 of 24 Top 12.5% in 10B+ tier

Loan-to-Share Ratio

balance_sheet

Value: 96.25%

Peer Median: 88.65%

#5 of 24 Top 16.7% in 10B+ tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,746

Peer Median: $13,083

#6 of 24 Top 20.8% in 10B+ tier

Average Member Relationship (AMR)

engagement

Value: $34,144

Peer Median: $30,258

#7 of 24 Top 25.0% in 10B+ tier

Top Weaknesses (8 metrics)

Fee Income Per Member

profitability

Value: $51.61

Peer Median: $155.40

#24 of 24 Bottom 4.2% in 10B+ tier

Net Interest Margin (NIM)

profitability

Value: 2.41%

Peer Median: 3.08%

#23 of 24 Bottom 8.3% in 10B+ tier

Deposit Growth Rate

growth

Value: 1.21%

Peer Median: 6.81%

#23 of 24 Bottom 8.3% in 10B+ tier

AMR Growth Rate

growth

Value: -1.27%

Peer Median: 3.58%

#23 of 24 Bottom 8.3% in 10B+ tier

Asset Growth Rate

growth

Value: 0.00%

Peer Median: 7.03%

#22 of 24 Bottom 12.5% in 10B+ tier

Loan Growth Rate

growth

Value: 1.60%

Peer Median: 6.79%

#20 of 24 Bottom 20.8% in 10B+ tier

Net Worth Ratio

risk

Value: 9.37%

Peer Median: 10.23%

#20 of 24 Bottom 20.8% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 35.79%

Peer Median: 31.24%

#20 of 24 Bottom 20.8% in 10B+ tier