BlastPoint's Credit Union Scorecard
BURLINGTON NORTHERN SANTA FE RAILWY
Charter #68180 ยท IL
2596 CUs in <100M nationally
143 in IL
BURLINGTON NORTHERN SANTA FE RAILWY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.2% in tier
- + Members Per Employee (MPE): Top 2.2% in tier
- + Member Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.47% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,715
+3.7% YoY+0.8% QoQ
|
-910 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$8.3M
-0.4% YoY-0.1% QoQ
|
$-21.5M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$3.2M
+4.6% YoY-2.1% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$6.7M
-0.8% YoY-0.2% QoQ
|
$-18.8M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
28% |
| ROA |
0.9%
-7.5% YoY-4.8% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
2.8%
-32.5% YoY-7.8% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.2% in tier |
| Efficiency Ratio |
71.2%
+5.4% YoY+0.0% QoQ
|
-10.2% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
5.0%
+72.8% YoY+23.8% QoQ
|
+3.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 6.2% in tier |
| Loan To Share |
47.5%
+5.4% YoY-2.0% QoQ
|
-13.8% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$5,750
-2.7% YoY-1.6% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
31
Net Charge-Off Rate
risk
Value:
-0.50%
Peer Avg: 0.57%
#31 of 2596
Top 1.2% in <100M tier
59
Members Per Employee (MPE)
engagement
Value:
857.500
Peer Avg: 365.701
#59 of 2596
Top 2.2% in <100M tier
247
Member Growth Rate
growth
Value:
3.69%
Peer Avg: 14.92%
#247 of 2596
Top 9.5% in <100M tier
563
Loan Growth Rate
growth
Value:
4.56%
Peer Avg: 59.01%
#563 of 2596
Top 21.6% in <100M tier
598
Net Worth Ratio
risk
Value:
19.72%
Peer Avg: 16.43%
#598 of 2596
Top 23.0% in <100M tier
Top Weaknesses (4 metrics)
2436
Total Delinquency Rate (60+ days)
risk
Value:
4.98%
Peer Avg: 1.51%
#2436 of 2596
Bottom 6.2% in <100M tier
2307
Average Member Relationship (AMR)
engagement
Value:
$5,750
Peer Avg: $14,627
#2307 of 2596
Bottom 11.2% in <100M tier
2300
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,851
Peer Avg: $5,488
#2300 of 2596
Bottom 11.4% in <100M tier
2278
Net Interest Margin (NIM)
profitability
Value:
2.77%
Peer Avg: 3.93%
#2278 of 2596
Bottom 12.3% in <100M tier