BlastPoint's Credit Union Scorecard
BURLINGTON NORTHERN SANTA FE RAILWY
Charter #68180 · IL
BURLINGTON NORTHERN SANTA FE RAILWY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Efficiency ratio 14.76% above tier (higher cost structure)
- - Delinquency rate 3.63% above tier average
- - Member decline: -3.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Net Charge-Off Rate: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,628
-3.4% YoY+0.6% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$8.1M
-3.4% YoY+2.9% QoQ
|
$-22.1M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$3.0M
-4.9% YoY-1.9% QoQ
|
$-12.2M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$6.5M
-4.1% YoY+3.8% QoQ
|
$-19.3M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
-0.5%
-156.3% YoY-138.8% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.3% in tier |
| NIM |
2.8%
-21.3% YoY-21.9% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio |
105.4%
+39.2% YoY+59.6% QoQ
|
+14.8% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate |
5.1%
+64.5% YoY-17.9% QoQ
|
+3.6 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.9% in tier |
| Loan To Share |
47.0%
-0.8% YoY-5.5% QoQ
|
-11.5% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$5,839
-1.0% YoY+1.3% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.3% 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)
Concerns (0)
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)