BlastPoint's Credit Union Scorecard
CREDIT UNION 1
Charter #68727 · IL
CREDIT UNION 1 has 10 strengths but faces 5 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 0.0% in tier
- + Organic Growth Engine: Top 15.8% in tier
- + Net Interest Margin 0.01% above tier average
- + Strong member growth: 45.3% YoY
- + Member Growth Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 0.3% in tier
- + Asset Growth Rate: Top 1.6% in tier
- + Share Certificate Concentration (%): Top 5.6% in tier
- + Total Members: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.2% in tier
- - Indirect Auto Dependency: Bottom 24.8% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 14.64% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
160,552
+45.3% YoY+32.2% QoQ
|
+61.9K |
98,678
-1.9% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Top 9.2% in tier |
| Assets |
$2.3B
+19.4% YoY+17.8% QoQ
|
+$574.1M |
$1.7B
+0.5% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$1.7B
+51.3% YoY+23.8% QoQ
|
+$428.8M |
$1.2B
+0.5% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$2.0B
+43.0% YoY+18.9% QoQ
|
+$518.6M |
$1.5B
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
0.3%
-2.8% YoY+13.3% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.8% in tier |
| NIM |
3.3%
+1.9% YoY-6.5% QoQ
|
+0.0% |
3.3%
+9.3% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
88.6%
+1.5% YoY-1.8% QoQ
|
+14.6% |
74.0%
-10.9% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
1.1%
-14.2% YoY-17.5% QoQ
|
+0.3 |
0.8%
+6.1% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
84.2%
+5.8% YoY+4.1% QoQ
|
-1.0% |
85.2%
-0.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$22,639
+0.9% YoY-8.4% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
13.7%
+17.1% YoY+19.4% QoQ
|
-15.3% |
29.0%
+0.7% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
Bottom 5.3% in tier |
| Indirect Auto % |
15.6%
-3.3% YoY-3.1% QoQ
|
-3.2% |
18.8%
-3.0% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
48% |
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)