BlastPoint's Credit Union Scorecard
BAXTER
Charter #68187 · IL
BCU at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
BCU is one of 101 credit unions in the 2026 VentureTech card set. We also found BCU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
Tap a card to see it up close
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BCU
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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BCU'S BIGGEST OPPORTUNITY
BCU is headed to VentureTech in Fort Worth! Check out our trading card.
BAXTER has 3 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
- + Net Interest Margin 0.26% above tier average
- + Fee Income Per Member: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.5% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 3.51% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
372,377
+2.8% YoY+0.6% QoQ
|
+61.5K |
310,918
+6.0% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$6.4B
+3.6% YoY-1.5% QoQ
|
+$612.5M |
$5.8B
-1.1% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$5.2B
+5.7% YoY+1.6% QoQ
|
+$1.0B |
$4.2B
-0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
85% |
| Deposits |
$5.0B
+4.2% YoY-3.5% QoQ
|
+$140.6M |
$4.9B
-1.3% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
0.7%
+30.7% YoY+13.2% QoQ
|
-0.2% |
0.9%
+35.3% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.5%
+5.1% YoY+2.3% QoQ
|
+0.3% |
3.2%
+9.5% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
68.7%
-2.7% YoY+1.4% QoQ
|
+3.5% |
65.2%
-9.0% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.9%
-2.5% YoY+2.4% QoQ
|
+0.1 |
0.8%
+23.8% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
104.2%
+1.4% YoY+5.2% QoQ
|
+18.6% |
85.6%
-0.2% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Top 7.7% in tier |
| AMR |
$27,615
+2.1% YoY-1.6% QoQ
|
$-4K |
$32,010
-7.3% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
31.7%
+3.0% YoY+4.7% QoQ
|
+3.3% | 28.3% | 14.0% | 20.0% | 64% |
| Indirect Auto % |
0.5%
-47.4% YoY-16.8% QoQ
|
-16.3% | 16.8% | 6.8% | 7.7% | Top 13.6% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)