BlastPoint's Credit Union Scorecard
COMMUNITY
Charter #7256 · IL
<100M
2508 CUs in <100M nationally
137 in IL
COMMUNITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 3.48% below tier average
- - Efficiency ratio 452.95% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.5% in tier
- - Average Member Relationship (AMR): Bottom 0.5% in tier
- - Total Deposits: Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - Total Loans: Bottom 1.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
151
-1.9% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 2.9% in tier |
| Assets |
$116,204
-6.7% YoY-2.1% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.4% in tier |
| Loans |
$12,122
-46.1% YoY-9.3% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.0% in tier |
| Deposits |
$86,583
-6.0% YoY-1.7% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.6% in tier |
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| ROA |
-3.3%
+23.2% YoY+22.0% QoQ
|
-3.5% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.0% in tier |
| NIM |
0.8%
-54.3% YoY-64.9% QoQ
|
-3.3% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
543.6%
+105.6% YoY+161.3% QoQ
|
+452.9% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
14.0%
-42.6% YoY-7.7% QoQ
|
-44.5% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.6% in tier |
| AMR |
$653.7
-12.2% YoY-2.7% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
253
Net Worth Ratio
risk
Value:
25.49%
Peer Median: 14.28%
#253 of 2508
Top 10.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (16 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2497
Total Assets
balance_sheet
Value:
$116,204
Peer Median: $21.86M
#2497 of 2508
Bottom 0.5% in <100M tier
2496
Average Member Relationship (AMR)
engagement
Value:
$653.68
Peer Median: $13,926
#2496 of 2508
Bottom 0.5% in <100M tier
2495
Efficiency Ratio
profitability
Value:
543.58%
Peer Median: 81.45%
#2495 of 2508
Bottom 0.6% in <100M tier
2493
Total Deposits
balance_sheet
Value:
$86,583
Peer Median: $18.77M
#2493 of 2508
Bottom 0.6% in <100M tier
2490
Net Interest Margin (NIM)
profitability
Value:
0.75%
Peer Median: 3.83%
#2490 of 2508
Bottom 0.8% in <100M tier
2482
Total Loans
balance_sheet
Value:
$12,122
Peer Median: $9.48M
#2482 of 2508
Bottom 1.1% in <100M tier
2479
Loan Growth Rate
growth
Value:
-46.09%
Peer Median: -2.36%
#2479 of 2508
Bottom 1.2% in <100M tier
2478
Loan-to-Member Ratio (LMR)
engagement
Value:
$80.28
Peer Median: $4,923
#2478 of 2508
Bottom 1.2% in <100M tier
2441
Loan-to-Share Ratio
balance_sheet
Value:
14.00%
Peer Median: 58.72%
#2441 of 2508
Bottom 2.7% in <100M tier