BlastPoint's Credit Union Scorecard
CREDIT UNION 1
Charter #68727 · IL
CREDIT UNION 1 has 8 strengths but faces 3 concerns
How does the industry compare?
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How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 20.8% in tier
- + ROA 1.76% above tier average
- + Net Interest Margin 2.18% above tier average
- + Strong member growth: 36.5% YoY
- + Loan Growth Rate: Top 1.0% in tier
- + Member Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 1.6% in tier
- + Deposit Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.1% in tier
- - Delinquency rate 0.39% above tier average
- - Members Per Employee (MPE): Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
167,836
+36.5% YoY+11.3% QoQ
|
+71.8K |
96,048
-2.7% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Top 5.6% in tier |
| Assets |
$2.6B
+37.8% YoY+13.0% QoQ
|
+$917.8M |
$1.7B
+0.4% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Top 10.8% in tier |
| Loans |
$2.0B
+51.4% YoY+13.4% QoQ
|
+$753.3M |
$1.2B
+0.2% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Top 8.5% in tier |
| Deposits |
$2.3B
+40.5% YoY+14.3% QoQ
|
+$830.1M |
$1.5B
+0.5% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Top 9.2% in tier |
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| ROA |
2.5%
+848.9% YoY+823.8% QoQ
|
+1.8% |
0.7%
+27.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Top 0.7% in tier |
| NIM |
5.5%
+55.7% YoY+72.3% QoQ
|
+2.2% |
3.4%
+6.2% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
61.2%
-32.6% YoY-30.4% QoQ
|
-13.5% |
74.6%
-3.0% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Top 8.5% in tier |
| Delinquency Rate |
1.1%
-6.6% YoY-10.7% QoQ
|
+0.4 |
0.8%
+6.9% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.1% in tier |
| Loan To Share |
85.7%
+7.8% YoY-0.8% QoQ
|
+2.5% |
83.2%
-0.4% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$25,398
+6.5% YoY+2.4% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
14.0%
+21.9% YoY+9.8% QoQ
|
-14.8% | 28.8% | 14.0% | 19.8% | Bottom 5.2% in tier |
| Indirect Auto % |
15.4%
-7.4% YoY-9.2% QoQ
|
-2.6% | 18.1% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)