BlastPoint's Credit Union Scorecard
ILLIANA FINANCIAL
Charter #68425 · IL
ILLIANA FINANCIAL has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.03% above tier average
- + Net Worth Ratio: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 21.5% in tier
- - Liquidity Overhang: Bottom 29.1% in tier
- - Institutional Decline: Bottom 46.0% in tier
- - Flatlined Growth: Bottom 55.0% in tier
- - Accelerating Exit Risk: Bottom 67.3% in tier
- - Membership Headwinds: Bottom 67.6% in tier
- - Shrinking Wallet Share: Bottom 74.4% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 1.66% above tier (higher cost structure)
- - Delinquency rate 0.79% above tier average
- - Loan Growth Rate: Bottom 6.2% in tier
- - Net Charge-Off Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,095
-1.8% YoY+0.4% QoQ
|
+5.7K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$253.5M
-0.0% YoY+0.3% QoQ
|
+$21.7M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$119.2M
-7.2% YoY-1.7% QoQ
|
$-28.2M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$216.7M
-0.9% YoY+0.3% QoQ
|
+$15.9M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
63% |
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 |
0.5%
+52.7% YoY-4.4% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.6%
+0.6% YoY+0.0% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
78.7%
-3.1% YoY+0.8% QoQ
|
+1.7% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.7%
-11.1% YoY+12.3% QoQ
|
+0.8 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 10.5% in tier |
| Loan To Share |
55.0%
-6.4% YoY-2.1% QoQ
|
-17.2% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$15,921
-1.4% YoY-0.8% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.5% in tier |
| CD Concentration |
21.0%
+4.4% YoY+1.0% QoQ
|
-3.5% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
12.7%
+3.1% YoY+1.0% QoQ
|
-1.1% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
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.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)