BlastPoint's Credit Union Scorecard
BURLINGTON NORTHERN SANTA FE RAILWY
Charter #68180 · IL
BURLINGTON NORTHERN SANTA FE RAILWY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.44% below tier average
- - Efficiency ratio 8.89% above tier (higher cost structure)
- - Delinquency rate 1.15% above tier average
- - Member decline: -3.5% YoY
- - Net Charge-Off Rate: Bottom 1.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits -1.3% year over year ($6.6M in shares and deposits).
- Membership: 1,641 members, -3.5% vs a year ago.
- Delinquency rate 2.69%.
- Return on assets 0.05%.
- Efficiency ratio 97.65% vs a 88.77% peer average.
- Loan-to-share ratio 44.16% vs a 58.89% 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 |
1,641
-3.5% YoY+0.8% QoQ
|
-944 |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$8.2M
-1.7% YoY+1.2% QoQ
|
$-22.1M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$2.9M
-10.0% YoY-4.0% QoQ
|
$-12.5M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$6.6M
-1.3% YoY+2.3% QoQ
|
$-19.2M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-94.5% YoY-110.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.9% in tier |
| NIM |
3.3%
+10.0% YoY+16.3% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
97.7%
+37.2% YoY-7.3% QoQ
|
+8.9% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
2.7%
-33.0% YoY-47.5% QoQ
|
+1.1 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.9% in tier |
| Loan To Share |
44.2%
-8.8% YoY-6.1% QoQ
|
-14.7% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$5,808
-0.6% YoY-0.5% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.0% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)