BlastPoint's Credit Union Scorecard
ALLIANT
Charter #67955 · IL
ALLIANT has 4 strengths but faces 6 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
- + Organic Growth Engine: Top 64.0% in tier
- + Organic Growth Leader: Top 64.0% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
- + Efficiency Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.0% in tier
- - Credit Quality Pressure: Bottom 84.0% in tier
- - Credit Risk Growth: Bottom 84.0% in tier
- - Shrinking Wallet Share: Bottom 92.0% in tier
- - ROA 0.07% below tier average
- - Net Interest Margin (NIM): Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 1 that size in Illinois.
- Shares and deposits +1.2% year over year ($16.1B in shares and deposits).
- Membership: 953,370 members, +3.1% vs a year ago.
- Delinquency rate 0.81%.
- Return on assets 0.96%.
- Efficiency ratio 43.61% vs a 61.57% peer average.
- Loan-to-share ratio 98.72% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
953,370
+3.1% YoY+1.6% QoQ
|
-718.5K |
1,671,910
-4.2% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$20.0B
+0.3% YoY+1.8% QoQ
|
$-7.6B |
$27.7B
+0.2% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$15.9B
+1.0% YoY+1.3% QoQ
|
$-4.1B |
$20.0B
-0.9% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$16.1B
+1.2% YoY-1.3% QoQ
|
$-7.4B |
$23.5B
+0.4% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
1.0%
+55.2% YoY+61.4% QoQ
|
-0.1% |
1.0%
+45.0% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
2.4%
+10.4% YoY+0.0% QoQ
|
-0.8% |
3.2%
+5.4% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.0% in tier |
| Efficiency Ratio |
43.6%
-12.7% YoY-11.3% QoQ
|
-18.0% |
61.6%
-6.2% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
0.8%
+0.4% YoY-13.3% QoQ
|
-0.2 |
1.0%
-2.7% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
98.7%
-0.3% YoY+2.6% QoQ
|
+11.2% |
87.5%
-3.0% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$33,588
-1.9% YoY-1.6% QoQ
|
+$738 |
$32,850
+5.7% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
35.1%
-6.5% YoY-1.8% QoQ
|
+4.9% | 30.2% | 14.0% | 20.0% | 72% |
| Indirect Auto % |
0.9%
-50.5% YoY-15.9% QoQ
|
-14.1% | 15.0% | 6.8% | 7.7% | Top 12.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)