BlastPoint's Credit Union Scorecard

STREATOR ONIZED

Charter #68226 · IL

1069 CUs in 100M-500M nationally 30 in IL

STREATOR ONIZED has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 67.7% in tier
+ Net Interest Margin 0.72% above tier average
+ Total Members: Top 2.2% in tier
+ Total Loans: Top 3.9% in tier
+ Loan-to-Share Ratio: Top 7.9% in tier
+ Total Assets: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 13.9% in tier
- Cost Spiral: Bottom 31.1% in tier
- Liquidity Strain: Bottom 51.5% in tier
- ROA 0.01% below tier average
- Efficiency ratio 0.26% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 2.8% in tier
- Indirect Auto Concentration (%): Bottom 3.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	37,546 +3.4% YoY-1.5% QoQ	+22.1K	15,437 -2.9% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	Top 2.2% in tier
Assets	$409.5M +6.9% YoY+2.4% QoQ	+$177.6M	$231.9M +1.3% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	Top 9.5% in tier
Loans	$321.5M +6.8% YoY+0.2% QoQ	+$174.2M	$147.3M -0.1% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	Top 4.0% in tier
Deposits	$342.3M +7.3% YoY+3.3% QoQ	+$141.5M	$200.8M +0.8% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	Top 11.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -36.0% YoY-49.5% QoQ	-0.0%	0.8% +18.2% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	50%
NIM	4.3% -11.2% YoY-12.8% QoQ	+0.7%	3.6% +6.7% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	Top 13.9% in tier
Efficiency Ratio	77.3% +12.2% YoY+11.1% QoQ	+0.3%	77.0% -3.1% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	50%
Delinquency Rate	0.4% -9.8% YoY-1.9% QoQ	-0.5	0.9% +4.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	27%
Loan To Share	93.9% -0.4% YoY-3.0% QoQ	+21.7%	72.2% -1.1% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	Top 8.0% in tier
AMR	$17,680 +3.5% YoY+3.3% QoQ	$-7K	$24,676 +3.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	20%
CD Concentration	46.9% +0.8% YoY+2.0% QoQ	+22.5%	24.4%	14.1%	19.8%	50%
Indirect Auto %	52.4% +5.8% YoY+0.5% QoQ	+38.6%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#403 of 595 • Top 67.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.44%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.75%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 52.37%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#71 of 506 • Bottom 13.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.86%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 52.37%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.44%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Cost Spiral

risk

#15 of 46 • Bottom 31.1% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 8.39% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 53.32%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Liquidity Strain

risk

#118 of 228 • Bottom 51.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.93%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 6.80%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (10 metrics)

Total Members

engagement

Value: 37,546

Peer Median: -

#24 of 1069 Top 2.2% in 100M-500M tier

Total Loans

balance_sheet

Value: $321.53M

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.93%

Peer Median: -

#85 of 1069 Top 7.9% in 100M-500M tier

102

Total Assets

balance_sheet

Value: $409.50M

Peer Median: -

#102 of 1069 Top 9.4% in 100M-500M tier

122

Total Deposits

balance_sheet

Value: $342.30M

Peer Median: -

#122 of 1069 Top 11.3% in 100M-500M tier

142

Net Worth Ratio

risk

Value: 15.56%

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

149

Net Interest Margin (NIM)

profitability

Value: 4.32%

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

182

Member Growth Rate

growth

Value: 3.44%

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

207

First Mortgage Concentration (%)

balance_sheet

Value: 14.56%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

260

Deposit Growth Rate

growth

Value: 7.26%

Peer Median: -

#260 of 1069 Top 24.2% in 100M-500M tier

Top Weaknesses (4 metrics)

1040

Share Certificate Concentration (%)

balance_sheet

Value: 46.94%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

1037

Indirect Auto Concentration (%)

balance_sheet

Value: 52.37%

Peer Median: -

#1037 of 1069 Bottom 3.1% in 100M-500M tier

939

Net Charge-Off Rate

risk

Value: 0.91%

Peer Median: -

#939 of 1069 Bottom 12.3% in 100M-500M tier

857

Average Member Relationship (AMR)

engagement

Value: $17,680

Peer Median: -

#857 of 1069 Bottom 19.9% in 100M-500M tier