BlastPoint's Credit Union Scorecard
CREDIT UNION 1
Charter #68727 · IL
CREDIT UNION 1 has 8 strengths but faces 6 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 Leader: Top 2.1% in tier
- + Organic Growth Engine: Top 47.6% in tier
- + Strong member growth: 24.0% YoY
- + Member Growth Rate: Top 1.7% in tier
- + Asset Growth Rate: Top 1.7% in tier
- + Deposit Growth Rate: Top 1.7% in tier
- + Loan Growth Rate: Top 2.0% in tier
- + Share Certificate Concentration (%): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 31.5% in tier
- - Indirect Auto Dependency: Bottom 65.6% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 13.80% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
- - Members Per Employee (MPE): Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
150,837
+24.0% YoY-6.1% QoQ
|
+53.4K |
97,431
-2.4% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 11.9% in tier |
| Assets |
$2.3B
+24.6% YoY+1.8% QoQ
|
+$611.8M |
$1.7B
+0.9% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$1.7B
+28.9% YoY+4.3% QoQ
|
+$499.6M |
$1.2B
+0.5% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$2.0B
+25.6% YoY+1.8% QoQ
|
+$548.6M |
$1.5B
+0.9% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.3%
+24.2% YoY-7.4% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.9% in tier |
| NIM |
3.2%
+5.7% YoY-1.9% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
87.9%
+3.4% YoY-0.8% QoQ
|
+13.8% |
74.1%
-9.5% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 4.6% in tier |
| Delinquency Rate |
1.3%
-11.6% YoY+17.0% QoQ
|
+0.4 |
0.9%
+6.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
86.4%
+2.7% YoY+2.5% QoQ
|
+1.6% |
84.8%
-0.8% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$24,808
+2.5% YoY+9.6% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
12.8%
+12.3% YoY-6.7% QoQ
|
-16.3% | 29.0% | 14.1% | 19.8% | Bottom 4.0% in tier |
| Indirect Auto % |
17.0%
+7.0% YoY+8.9% QoQ
|
-1.3% | 18.3% | 7.1% | 7.8% | 53% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)