BlastPoint's Credit Union Scorecard
CORPORATE AMERICA FAMILY
Charter #68215 · IL
CORPORATE AMERICA FAMILY has 4 strengths but faces 9 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
- + Wallet Share Momentum: Top 28.3% in tier
- + Net Interest Margin 0.09% above tier average
- + Share Certificate Concentration (%): Top 6.8% in tier
- + Members Per Employee (MPE): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 17.7% in tier
- - Credit Quality Pressure: Bottom 27.4% in tier
- - Stagnation Risk: Bottom 32.4% in tier
- - Credit Risk Growth: Bottom 54.1% in tier
- - Efficiency Drag: Bottom 82.1% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 13.19% above tier (higher cost structure)
- - Member decline: -6.1% YoY
- - Member Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,893
-6.1% YoY-3.5% QoQ
|
+9.8K |
52,084
-1.6% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$829.8M
+0.6% YoY-1.2% QoQ
|
$-34.1M |
$863.9M
+0.5% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$626.1M
+2.8% YoY-1.6% QoQ
|
+$20.2M |
$605.8M
+1.4% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$698.5M
+3.8% YoY+0.7% QoQ
|
$-38.7M |
$737.3M
+0.1% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.0%
-95.3% YoY-147.6% QoQ
|
-0.7% |
0.7%
+39.1% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.8% in tier |
| NIM |
3.5%
+11.2% YoY+0.2% QoQ
|
+0.1% |
3.4%
+8.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
87.5%
+11.6% YoY-4.6% QoQ
|
+13.2% |
74.3%
-3.6% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 6.8% in tier |
| Delinquency Rate |
0.8%
+77.4% YoY+32.0% QoQ
|
-0.0 |
0.9%
+3.8% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
89.6%
-1.0% YoY-2.3% QoQ
|
+7.1% |
82.6%
+1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$21,402
+10.0% YoY+3.2% QoQ
|
$-7K |
$28,873
+2.7% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
15.3%
+4.0% YoY-0.0% QoQ
|
-9.1% | 24.4% | 14.1% | 19.8% | 20% |
| Indirect Auto % |
6.8%
-41.3% YoY-10.8% QoQ
|
-7.0% | 13.8% | 7.1% | 7.8% | 47% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)