BlastPoint's Credit Union Scorecard
ILLIANA FINANCIAL
Charter #68425 · IL
ILLIANA FINANCIAL has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 9.28% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Illinois.
- Shares and deposits +4.2% year over year ($227M in shares and deposits).
- Membership: 20,860 members, -1.8% vs a year ago.
- Delinquency rate 1.34%.
- Return on assets 0.35%.
- Efficiency ratio 86.01% vs a 76.73% peer average.
- Loan-to-share ratio 50.12% vs a 71.54% 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 |
20,860
-1.8% YoY-0.2% QoQ
|
+5.7K |
15,168
-2.6% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$264.2M
+4.5% YoY+0.6% QoQ
|
+$32.2M |
$232.0M
+0.7% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$114.0M
-7.9% YoY-1.5% QoQ
|
$-32.2M |
$146.3M
+0.2% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$227.5M
+4.2% YoY+0.9% QoQ
|
+$26.8M |
$200.7M
+0.2% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
65% |
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 |
0.4%
-23.4% YoY+129.5% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.5%
-3.7% YoY-0.3% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
86.0%
+8.3% YoY-7.6% QoQ
|
+9.3% |
76.7%
-0.8% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
1.3%
-14.8% YoY-22.4% QoQ
|
+0.5 |
0.9%
+6.6% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
50.1%
-11.6% YoY-2.4% QoQ
|
-21.4% |
71.5%
-0.3% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.4% in tier |
| AMR |
$16,371
+1.7% YoY+0.3% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.2% in tier |
| CD Concentration |
22.1%
+8.3% YoY+3.1% QoQ
|
-2.4% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % |
13.2%
+5.3% YoY+1.9% QoQ
|
-0.4% | 13.6% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)