BlastPoint's Credit Union Scorecard
CORPORATE AMERICA FAMILY
Charter #68215 · IL
CORPORATE AMERICA FAMILY has 8 strengths but faces 5 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 2.5% in tier
- + Organic Growth Leader: Top 29.7% in tier
- + Organic Growth Engine: Top 29.7% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Loan Growth Rate: Top 2.7% in tier
- + Deposit Growth Rate: Top 3.6% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + Share Certificate Concentration (%): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.0% in tier
- - Efficiency Drag: Bottom 11.6% in tier
- - Credit Quality Pressure: Bottom 39.9% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 14.69% above tier (higher cost structure)
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Illinois.
- Shares and deposits +20.1% year over year ($823M in shares and deposits).
- Membership: 65,426 members, +2.0% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.35%.
- Efficiency ratio 89.23% vs a 74.54% peer average.
- Loan-to-share ratio 89.18% vs a 82.60% 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 |
65,426
+2.0% YoY+0.7% QoQ
|
+12.9K |
52,482
+1.3% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$953.5M
+14.0% YoY-1.6% QoQ
|
+$89.6M |
$863.9M
+0.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Top 12.6% in tier |
| Loans |
$733.6M
+19.0% YoY-0.8% QoQ
|
+$125.8M |
$607.8M
+2.1% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Top 10.8% in tier |
| Deposits |
$822.6M
+20.1% YoY+0.1% QoQ
|
+$82.7M |
$739.9M
+0.2% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
85% |
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 |
0.3%
-199.4% YoY-24.4% QoQ
|
-0.5% |
0.8%
+30.4% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
3.5%
+2.9% YoY+8.8% QoQ
|
+0.0% |
3.5%
+6.2% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
89.2%
-10.9% YoY+5.9% QoQ
|
+14.7% |
74.5%
-1.4% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate |
0.8%
+12.3% YoY-16.1% QoQ
|
+0.0 |
0.8%
+1.0% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
89.2%
-0.9% YoY-1.0% QoQ
|
+6.6% |
82.6%
+1.9% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$23,787
+17.2% YoY-1.0% QoQ
|
$-5K |
$28,702
+0.4% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
15.0%
-2.7% YoY-2.6% QoQ
|
-9.6% | 24.6% | 14.0% | 20.0% | 18% |
| Indirect Auto % |
4.3%
-52.1% YoY-14.0% QoQ
|
-9.3% | 13.6% | 6.8% | 7.7% | 44% |
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 (3)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)