BlastPoint's Credit Union Scorecard
REVITY
Charter #68623 · IL
REVITY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 54.7% in tier
- + Total Assets: Top 1.8% in tier
- + Total Deposits: Top 2.4% in tier
- + Total Members: Top 2.8% in tier
- + Total Loans: Top 5.7% in tier
- + Loan Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 47.1% in tier
- - Efficiency Drag: Bottom 79.7% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 3.42% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,457
-0.3% YoY-1.3% QoQ
|
+21.0K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 3.0% in tier |
| Assets |
$481.1M
+4.4% YoY-3.6% QoQ
|
+$249.2M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 1.9% in tier |
| Loans |
$304.5M
+14.5% YoY+1.7% QoQ
|
+$157.1M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 5.8% in tier |
| Deposits |
$413.7M
+2.3% YoY+1.6% QoQ
|
+$212.9M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 2.5% in tier |
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| ROA |
0.7%
+208.4% YoY+36.7% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.1%
+22.2% YoY+6.8% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
80.4%
-9.4% YoY-4.2% QoQ
|
+3.4% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.2%
-43.1% YoY-21.8% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 10.6% in tier |
| Loan To Share |
73.6%
+12.0% YoY+0.1% QoQ
|
+1.4% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$19,700
+7.5% YoY+3.0% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
21.0%
-3.3% YoY+0.7% QoQ
|
-3.5% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
29.3%
-5.4% YoY-1.3% QoQ
|
+15.5% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)