BlastPoint's Credit Union Scorecard
ALLIANT
Charter #67955 · IL
ALLIANT has 4 strengths but faces 4 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 62.5% in tier
- + Organic Growth Leader: Top 81.8% in tier
- + Efficiency Ratio: Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 36.4% in tier
- - ROA 0.18% below tier average
- - Fee Income Per Member: Bottom 4.8% in tier
- - Net Interest Margin (NIM): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
923,396
+2.5% YoY-1.9% QoQ
|
-907.9K |
1,831,295
-0.2% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$20.3B
+3.7% YoY-0.3% QoQ
|
$-8.9B |
$29.1B
+3.6% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$15.8B
+4.1% YoY-1.7% QoQ
|
$-5.5B |
$21.4B
+2.0% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$16.2B
+1.1% YoY+2.3% QoQ
|
$-8.7B |
$24.9B
+4.3% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.5%
+34.0% YoY-9.5% QoQ
|
-0.2% |
0.7%
+30.7% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
2.3%
+8.1% YoY+0.9% QoQ
|
-0.9% |
3.1%
+7.9% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
49.7%
-11.4% YoY+2.3% QoQ
|
-14.9% |
64.6%
-4.0% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
0.8%
-8.4% YoY-24.8% QoQ
|
-0.4 |
1.2%
+0.3% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
97.7%
+3.0% YoY-3.9% QoQ
|
+8.6% |
89.1%
-2.0% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$34,708
+0.1% YoY+2.2% QoQ
|
+$3K |
$31,580
+8.5% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
37.7%
-7.4% YoY-0.7% QoQ
|
+6.2% | 31.4% | 14.1% | 19.8% | 81% |
| Indirect Auto % |
1.3%
-51.7% YoY-13.6% QoQ
|
-12.9% | 14.1% | 7.1% | 7.8% | Bottom 14.3% 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 (<20%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)