BlastPoint's Credit Union Scorecard
CREDIT UNION 1
Charter #68727 · IL
CREDIT UNION 1 has 8 strengths but faces 4 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
- + ROA 0.81% above tier average
- + Net Interest Margin 0.13% above tier average
- + Strong member growth: 41.7% YoY
- + Asset Growth Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Fee Income Per Member: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.8% in tier
- - Credit Risk Growth: Bottom 1.1% in tier
- - Credit Quality Pressure: Bottom 54.8% in tier
- - Delinquency rate 0.49% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Illinois.
- Shares and deposits +45.4% year over year ($2.41B in shares and deposits).
- Membership: 172,066 members, +41.7% vs a year ago.
- Delinquency rate 1.35%.
- Return on assets 1.63%.
- Efficiency ratio 68.82% vs a 73.02% peer average.
- Loan-to-share ratio 80.14% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
172,066
+41.7% YoY+2.5% QoQ
|
+75.2K |
96,861
-1.9% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Top 5.0% in tier |
| Assets |
$2.9B
+47.4% YoY+8.8% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
Top 2.7% in tier |
| Loans |
$1.9B
+44.1% YoY-1.7% QoQ
|
+$699.8M |
$1.2B
+0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Top 10.7% in tier |
| Deposits |
$2.4B
+45.4% YoY+5.1% QoQ
|
+$950.1M |
$1.5B
+0.5% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Top 4.3% in tier |
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| ROA |
1.6%
+536.4% YoY-34.4% QoQ
|
+0.8% |
0.8%
+27.6% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 5.3% in tier |
| NIM |
3.6%
+1.5% YoY-35.8% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
68.8%
-23.7% YoY+12.5% QoQ
|
-4.2% |
73.0%
-2.7% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
1.3%
+1.3% YoY+17.6% QoQ
|
+0.5 |
0.9%
+7.3% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
80.1%
-0.9% YoY-6.5% QoQ
|
-4.6% |
84.7%
+0.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$25,266
+2.2% YoY-0.5% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
13.4%
+16.5% YoY-4.7% QoQ
|
-15.7% | 29.1% | 14.0% | 20.0% | Bottom 4.3% in tier |
| Indirect Auto % |
15.7%
-2.3% YoY+2.0% QoQ
|
-2.3% | 18.1% | 6.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)