BlastPoint's Credit Union Scorecard
CONSUMERS
Charter #68588 · IL
CONSUMERS has 1 strength but faces 4 concerns
How does the industry compare?
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How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 6.2% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 21.6% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 4.73% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
282,016
+6.2% YoY+0.9% QoQ
|
+61.6K |
220,435
-7.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$4.6B
+9.2% YoY+1.5% QoQ
|
+$655.5M |
$3.9B
-1.5% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
83% |
| Loans |
$3.1B
+9.3% YoY-0.7% QoQ
|
+$202.9M |
$2.9B
-1.1% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$3.6B
+4.6% YoY+2.2% QoQ
|
+$329.0M |
$3.3B
-2.5% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
0.2%
-53.2% YoY-63.1% QoQ
|
-0.5% |
0.7%
+10.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.8% in tier |
| NIM |
3.2%
+2.0% YoY-1.3% QoQ
|
+0.0% |
3.2%
+4.6% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
49% |
| Efficiency Ratio |
76.0%
+6.4% YoY+11.1% QoQ
|
+4.7% |
71.3%
-2.6% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
0.9%
-4.3% YoY-2.0% QoQ
|
+0.2 |
0.7%
+9.2% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
85.4%
+4.4% YoY-2.8% QoQ
|
-2.6% |
88.0%
+0.9% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$23,838
+0.5% YoY-0.1% QoQ
|
$-7K |
$30,672
+5.5% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
33.9%
+1.0% YoY+1.6% QoQ
|
+5.0% | 28.8% | 14.0% | 19.8% | 72% |
| Indirect Auto % |
33.5%
-2.4% YoY-1.7% QoQ
|
+15.4% | 18.1% | 7.2% | 7.7% | 81% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)