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 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: 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 0.58% below tier average
- - Efficiency ratio 15.02% above tier (higher cost structure)
- - Delinquency rate 0.95% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,906
-1.7% YoY-0.9% QoQ
|
+5.8K |
15,145
-2.5% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$262.7M
+2.3% YoY+3.6% QoQ
|
+$31.0M |
$231.7M
+0.8% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$115.8M
-8.0% YoY-2.8% QoQ
|
$-28.4M |
$144.1M
+0.2% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$225.4M
+1.2% YoY+4.0% QoQ
|
+$24.2M |
$201.1M
+0.4% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.2%
+3.2% YoY-71.0% QoQ
|
-0.6% |
0.7%
+5.1% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.4% in tier |
| NIM |
3.5%
-3.2% YoY-4.0% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
93.0%
+6.4% YoY+18.3% QoQ
|
+15.0% |
78.0%
-1.7% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
1.7%
-8.3% YoY+2.3% QoQ
|
+1.0 |
0.8%
+7.1% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.3% in tier |
| Loan To Share |
51.4%
-9.1% YoY-6.6% QoQ
|
-19.0% |
70.4%
-0.4% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.5% in tier |
| AMR |
$16,319
-0.4% YoY+2.5% QoQ
|
$-9K |
$24,918
+2.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.0% in tier |
| CD Concentration |
21.5%
+8.3% YoY+2.5% QoQ
|
-2.8% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % |
12.9%
+3.2% YoY+1.7% QoQ
|
-0.9% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)