BlastPoint's Credit Union Scorecard
CONSUMERS
Charter #68588 · IL
CONSUMERS has 7 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.3% in tier
- + Net Interest Margin 0.11% above tier average
- + Strong member growth: 21.0% YoY
- + Member Growth Rate: Top 2.6% in tier
- + Asset Growth Rate: Top 3.9% in tier
- + Loan Growth Rate: Top 5.3% in tier
- + Deposit Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.9% in tier
- - ROA 0.11% below tier average
- - Delinquency rate 0.06% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
276,500
+21.0% YoY+2.2% QoQ
|
+38.0K |
238,465
+0.6% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$4.4B
+23.9% YoY+2.0% QoQ
|
+$414.8M |
$4.0B
-0.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$3.0B
+22.2% YoY+2.3% QoQ
|
+$1.9M |
$3.0B
+3.3% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$3.5B
+23.5% YoY+0.4% QoQ
|
+$131.6M |
$3.3B
+1.1% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
0.6%
+35.1% YoY+1.4% QoQ
|
-0.1% |
0.7%
+5.3% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.3%
+7.7% YoY+1.5% QoQ
|
+0.1% |
3.2%
+13.7% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
67.8%
-7.1% YoY+0.8% QoQ
|
-3.5% |
71.3%
-0.6% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.9%
-28.0% YoY+5.2% QoQ
|
+0.1 |
0.8%
+15.9% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
87.2%
-1.1% YoY+1.9% QoQ
|
-3.7% |
90.8%
+2.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$23,456
+1.5% YoY-0.9% QoQ
|
$-6K |
$29,088
+0.1% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
35.0%
+0.8% YoY-0.5% QoQ
|
+6.0% |
29.0%
+0.7% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
77% |
| Indirect Auto % |
34.4%
-8.4% YoY-0.7% QoQ
|
+15.7% |
18.8%
-3.0% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
82% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)