BlastPoint's Credit Union Scorecard
IAA
Charter #68423 · IL
IAA has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.4% in tier
- + Organic Growth Leader: Top 51.5% in tier
- + Relationship Depth Leader: Top 90.6% in tier
- + ROA 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 13.9% in tier
- - Cost Spiral: Bottom 62.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,055
+2.5% YoY+0.2% QoQ
|
+2.6K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$403.0M
+4.5% YoY+3.2% QoQ
|
+$171.2M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 10.8% in tier |
| Loans |
$237.6M
+5.3% YoY+2.5% QoQ
|
+$90.2M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$341.7M
+3.8% YoY+3.3% QoQ
|
+$140.9M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.5% in tier |
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 |
1.2%
-23.2% YoY-9.6% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.0%
+12.8% YoY-0.9% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
61.3%
+9.4% YoY+0.7% QoQ
|
-15.7% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
0.4%
-29.5% YoY-2.4% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
69.5%
+1.4% YoY-0.7% QoQ
|
-2.7% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$32,083
+1.9% YoY+2.7% QoQ
|
+$7K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 13.7% in tier |
| CD Concentration |
34.2%
+4.9% YoY-2.5% QoQ
|
+9.8% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)