BlastPoint's Credit Union Scorecard
CONSUMERS
Charter #68588 · IL
CONSUMERS has 3 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 52.4% in tier
- + Net Interest Margin 0.13% above tier average
- + Strong member growth: 6.1% YoY
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 22.6% in tier
- - ROA 0.09% below tier average
- - Delinquency rate 0.05% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
279,428
+6.1% YoY+1.1% QoQ
|
+49.1K |
230,353
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$4.5B
+11.7% YoY+2.7% QoQ
|
+$560.9M |
$3.9B
+0.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$3.1B
+10.4% YoY+3.2% QoQ
|
+$181.2M |
$2.9B
-0.2% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$3.5B
+7.9% YoY+2.4% QoQ
|
+$238.2M |
$3.3B
-0.3% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.6%
+109.7% YoY-1.8% QoQ
|
-0.1% |
0.7%
+16.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.3%
+8.9% YoY-1.2% QoQ
|
+0.1% |
3.1%
+9.8% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
68.4%
-5.8% YoY+0.9% QoQ
|
-3.0% |
71.4%
-1.4% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.9%
-19.5% YoY+2.5% QoQ
|
+0.1 |
0.9%
+5.8% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
87.8%
+2.3% YoY+0.7% QoQ
|
-1.1% |
88.9%
-0.2% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$23,854
+2.8% YoY+1.7% QoQ
|
$-6K |
$29,682
+1.5% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
33.4%
-0.7% YoY-4.6% QoQ
|
+4.3% | 29.0% | 14.1% | 19.8% | 71% |
| Indirect Auto % |
34.1%
+0.3% YoY-1.1% QoQ
|
+15.8% | 18.3% | 7.1% | 7.8% | 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)