BlastPoint's Credit Union Scorecard
STREATOR ONIZED
Charter #68226 · IL
STREATOR ONIZED has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.9% in tier
- + Profitability Leader: Top 47.2% in tier
- + ROA 0.69% above tier average
- + Net Interest Margin 1.37% above tier average
- + Total Members: Top 2.1% in tier
- + Total Loans: Top 3.9% in tier
- + Loan-to-Share Ratio: Top 5.8% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.7% in tier
- - Liquidity Strain: Bottom 12.7% in tier
- - Liquidity Overhang: Bottom 99.2% in tier
- - Share Certificate Concentration (%): Bottom 3.1% in tier
- - Indirect Auto Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,109
+3.0% YoY+2.4% QoQ
|
+22.5K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 2.2% in tier |
| Assets |
$399.8M
+6.6% YoY+0.8% QoQ
|
+$168.5M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Top 10.6% in tier |
| Loans |
$320.9M
+5.9% YoY+6.4% QoQ
|
+$173.1M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Top 4.0% in tier |
| Deposits |
$331.5M
+6.2% YoY+0.4% QoQ
|
+$131.2M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Top 12.7% in tier |
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| ROA |
1.5%
+21.3% YoY-3.7% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 12.9% in tier |
| NIM |
5.0%
+0.6% YoY+1.6% QoQ
|
+1.4% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
69.6%
+2.2% YoY+0.1% QoQ
|
-7.7% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.4%
-18.6% YoY+32.7% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
96.8%
-0.3% YoY+6.0% QoQ
|
+24.1% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 5.9% in tier |
| AMR |
$17,120
+3.0% YoY+0.8% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
46.0%
+0.8% YoY+1.8% QoQ
|
+21.6% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
52.1%
+4.6% YoY+4.4% QoQ
|
+38.1% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)