BlastPoint's Credit Union Scorecard
ALLIANT
Charter #67955 · IL
ALLIANT has 6 strengths but faces 7 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 Leader: Top 14.3% in tier
- + Organic Growth Engine: Top 16.7% in tier
- + Strong member growth: 5.8% YoY
- + Efficiency Ratio: Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.4% in tier
- - Liquidity Strain: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 7.8% in tier
- - Shrinking Wallet Share: Bottom 15.0% in tier
- - ROA 0.16% 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-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
941,349
+5.8% YoY+1.8% QoQ
|
-881.1K |
1,822,416
+4.1% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$20.3B
-0.1% YoY+1.8% QoQ
|
$-8.4B |
$28.7B
+4.2% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$16.1B
+11.2% YoY+2.3% QoQ
|
$-5.0B |
$21.1B
+5.8% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$15.9B
-0.4% YoY-0.4% QoQ
|
$-8.6B |
$24.4B
+7.2% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.6%
+12.1% YoY-1.6% QoQ
|
-0.2% |
0.8%
+17.7% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
2.2%
+9.5% YoY+2.5% QoQ
|
-0.9% |
3.1%
+10.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
48.6%
-9.7% YoY-2.8% QoQ
|
-15.7% |
64.3%
-4.3% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
1.1%
+21.4% YoY+38.0% QoQ
|
-0.1 |
1.2%
+9.7% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
101.7%
+11.7% YoY+2.7% QoQ
|
+11.8% |
89.8%
-0.3% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$33,960
-0.7% YoY-0.8% QoQ
|
+$3K |
$31,184
+7.8% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
38.0%
-10.0% YoY+1.0% QoQ
|
+6.1% |
31.9%
+2.0% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
76% |
| Indirect Auto % |
1.5%
-49.5% YoY-21.0% QoQ
|
-12.8% |
14.2%
-8.9% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 14.3% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)