BlastPoint's Credit Union Scorecard
CORPORATE AMERICA FAMILY
Charter #68215 · IL
CORPORATE AMERICA FAMILY has 3 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 52.1% in tier
- + Net Interest Margin 0.10% above tier average
- + Share Certificate Concentration (%): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 13.4% in tier
- - Efficiency Drag: Bottom 17.3% in tier
- - Credit Risk Growth: Bottom 19.1% in tier
- - Credit Quality Pressure: Bottom 19.4% in tier
- - Liquidity Strain: Bottom 24.3% in tier
- - Stagnation Risk: Bottom 28.7% in tier
- - ROA 0.78% below tier average
- - Efficiency ratio 17.28% above tier (higher cost structure)
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,138
-3.1% YoY0% QoQ
|
+12.0K |
52,114
-2.1% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$840.3M
+2.3% YoY+0.5% QoQ
|
$-18.7M |
$859.0M
+0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$636.2M
+6.1% YoY+3.2% QoQ
|
+$32.8M |
$603.4M
+1.0% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$693.6M
+2.2% YoY+1.3% QoQ
|
$-40.6M |
$734.2M
+0.9% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
-0.1%
-106.3% YoY-78.7% QoQ
|
-0.8% |
0.7%
+27.6% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.2% in tier |
| NIM |
3.5%
+13.3% YoY+1.6% QoQ
|
+0.1% |
3.4%
+9.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
91.8%
+25.6% YoY-8.3% QoQ
|
+17.3% |
74.5%
-3.2% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
0.6%
+19.9% YoY-9.2% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
91.7%
+3.8% YoY+1.9% QoQ
|
+9.1% |
82.7%
+0.1% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$20,733
+7.3% YoY+2.2% QoQ
|
$-8K |
$28,651
+2.5% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
15.3%
-1.4% YoY-0.7% QoQ
|
-9.1% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
20% |
| Indirect Auto % |
7.7%
-41.5% YoY-14.8% QoQ
|
-6.3% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)