BlastPoint's Credit Union Scorecard
COMMUNITY
Charter #7256 · IL
<100M
2556 CUs in <100M nationally
138 in IL
COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Net Worth Ratio: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.35% below tier average
- - Efficiency ratio 125.46% 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
- - Total Loans: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
151
-1.9% YoY-1.9% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 2.9% in tier |
| Assets |
$118,701
-7.4% YoY-0.6% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.4% in tier |
| Loans |
$13,371
-45.7% YoY-36.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.1% in tier |
| Deposits |
$88,113
-6.8% YoY-2.2% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.6% in tier |
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| ROA |
-2.7%
+62.7% YoY+38.8% QoQ
|
-3.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.2% in tier |
| NIM |
2.1%
-17.5% YoY+9.4% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.9% in tier |
| Efficiency Ratio |
208.0%
+26.3% YoY+6.7% QoQ
|
+125.5% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
15.2%
-41.7% YoY-35.3% QoQ
|
-45.4% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.7% in tier |
| AMR |
$672.1
-13.2% YoY-6.9% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
256
Net Worth Ratio
risk
Value:
25.77%
Peer Median: -
#256 of 2556
Top 10.0% in <100M tier
Top Weaknesses (16 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.1% in <100M tier
2545
Total Assets
balance_sheet
Value:
$118,701
Peer Median: -
#2545 of 2556
Bottom 0.5% in <100M tier
2543
Average Member Relationship (AMR)
engagement
Value:
$672.08
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2541
Total Deposits
balance_sheet
Value:
$88,113
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2532
Efficiency Ratio
profitability
Value:
208.02%
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2529
Total Loans
balance_sheet
Value:
$13,371
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2527
Loan-to-Member Ratio (LMR)
engagement
Value:
$88.55
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2524
Loan Growth Rate
growth
Value:
-45.70%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2499
Return on Assets (ROA)
profitability
Value:
-2.73%
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2484
Loan-to-Share Ratio
balance_sheet
Value:
15.17%
Peer Median: -
#2484 of 2556
Bottom 2.9% in <100M tier