BlastPoint's Credit Union Scorecard
CORPORATE AMERICA FAMILY
Charter #68215 · IL
CORPORATE AMERICA FAMILY has 8 strengths but faces 7 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 1.6% in tier
- + Organic Growth Leader: Top 44.4% in tier
- + Organic Growth Engine: Top 44.4% in tier
- + AMR Growth Rate: Top 1.7% in tier
- + Loan Growth Rate: Top 2.6% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Asset Growth Rate: Top 5.1% in tier
- + Total Loans: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.8% in tier
- - Credit Quality Pressure: Bottom 13.3% in tier
- - Liquidity Strain: Bottom 13.5% in tier
- - Efficiency Drag: Bottom 29.7% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 8.69% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,970
+0.7% YoY+5.0% QoQ
|
+13.5K |
51,500
+0.7% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
85% |
| Assets |
$969.1M
+15.8% YoY+16.8% QoQ
|
+$103.4M |
$865.6M
+0.9% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Top 10.3% in tier |
| Loans |
$739.7M
+22.1% YoY+18.2% QoQ
|
+$144.4M |
$595.3M
+1.6% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Top 9.4% in tier |
| Deposits |
$821.5M
+19.4% YoY+17.6% QoQ
|
+$79.3M |
$742.2M
+0.6% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
82% |
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 |
0.5%
-152.0% YoY
|
-0.3% |
0.8%
+45.0% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
3.2%
-2.8% YoY-7.2% QoQ
|
-0.2% |
3.5%
+6.1% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
84.2%
-25.6% YoY-3.8% QoQ
|
+8.7% |
75.5%
-3.4% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
0.9%
+66.6% YoY+11.7% QoQ
|
+0.3 |
0.7%
-0.1% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
90.0%
+2.3% YoY+0.5% QoQ
|
+9.4% |
80.6%
+0.7% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$24,029
+19.9% YoY+12.3% QoQ
|
$-5K |
$28,908
+0.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
15.4%
+4.8% YoY+0.6% QoQ
|
-8.9% | 24.3% | 14.0% | 19.8% | 20% |
| Indirect Auto % |
5.0%
-51.6% YoY-26.8% QoQ
|
-8.8% | 13.8% | 7.2% | 7.7% | 45% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
Concerns (4)
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.
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)