BlastPoint's Credit Union Scorecard

SELFRELIANCE

Charter #7346 · IL

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 9 in IL

View Mid-Market leaderboard →

SELFRELIANCE has 6 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 39.1% in tier
+ Organic Growth Engine: Top 48.4% in tier
+ Organic Growth Leader: Top 50.4% in tier
+ Wallet Share Momentum: Top 79.5% in tier
+ Emerging Performer: Top 82.9% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 6.8% in tier
- Credit Quality Pressure: Bottom 27.1% in tier
- ROA 0.11% below tier average
- Efficiency ratio 1.95% above tier (higher cost structure)
- Delinquency rate 0.86% above tier average
- Fee Income Per Member: Bottom 4.0% in tier
- Total Members: Bottom 5.6% in tier
- Total Loans: Bottom 6.3% in tier
- Total Delinquency Rate (60+ days): Bottom 7.0% in tier
- Share Certificate Concentration (%): Bottom 7.3% in tier
- Net Interest Margin (NIM): Bottom 7.9% in tier
- First Mortgage Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	49,024 +3.3% YoY+0.2% QoQ	-48.4K	97,431 -2.4% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	Bottom 5.3% in tier
Assets	$1.1B +7.2% YoY+0.3% QoQ	$-594.1M	$1.7B +0.9% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	Bottom 13.9% in tier
Loans	$684.8M +11.1% YoY+1.9% QoQ	$-549.6M	$1.2B +0.5% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	Bottom 6.0% in tier
Deposits	$933.0M +8.4% YoY+0.8% QoQ	$-526.3M	$1.5B +0.9% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	Bottom 10.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +137.0% YoY-5.8% QoQ	-0.1%	0.7% +20.9% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	42%
NIM	2.5% +19.6% YoY-0.3% QoQ	-0.8%	3.3% +9.2% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	Bottom 7.6% in tier
Efficiency Ratio	76.0% -13.0% YoY+0.6% QoQ	+2.0%	74.1% -9.5% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	58%
Delinquency Rate	1.8% +17.9% YoY-11.9% QoQ	+0.9	0.9% +6.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	Top 7.0% in tier
Loan To Share	73.4% +2.5% YoY+1.1% QoQ	-11.4%	84.8% -0.8% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	19%
AMR	$33,000 +6.1% YoY+1.1% QoQ	+$4K	$29,428 +2.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	76%
CD Concentration	42.3% +8.7% YoY-1.2% QoQ	+13.3%	29.0%	14.1%	19.8%	Top 8.8% in tier
Indirect Auto %	0.0%	-18.3%	18.3%	7.1%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#26 of 65 • Top 39.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.06%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $3.2K, National: $2.0K)

but worse than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | New qualifier

Organic Growth Engine

growth

#120 of 247 • Top 48.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.26%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.58%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#72 of 142 • Top 50.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.26%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Wallet Share Momentum

growth

#98 of 123 • Top 79.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.06%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Emerging Performer

growth

#64 of 77 • Top 82.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.58%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 3.26%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#12 of 164 • Bottom 6.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.12%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.27% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Credit Quality Pressure

risk

#58 of 211 • Bottom 27.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.27% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: -

#36 of 302 Top 11.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 11.12%

Peer Median: -

#48 of 302 Top 15.6% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.36%

Peer Median: -

#70 of 302 Top 22.8% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.53%

Peer Median: -

#72 of 302 Top 23.5% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $33,000

Peer Median: -

#72 of 302 Top 23.5% in 1B-3B tier

Top Weaknesses (11 metrics)

291

Fee Income Per Member

profitability

Value: $92.31

Peer Median: -

#291 of 302 Bottom 4.0% in 1B-3B tier

286

Total Members

engagement

Value: 49,024

Peer Median: -

#286 of 302 Bottom 5.6% in 1B-3B tier

284

Total Loans

balance_sheet

Value: $684.79M

Peer Median: -

#284 of 302 Bottom 6.3% in 1B-3B tier

282

Total Delinquency Rate (60+ days)

risk

Value: 1.76%

Peer Median: -

#282 of 302 Bottom 7.0% in 1B-3B tier

281

Share Certificate Concentration (%)

balance_sheet

Value: 42.34%

Peer Median: -

#281 of 302 Bottom 7.3% in 1B-3B tier

279

Net Interest Margin (NIM)

profitability

Value: 2.46%

Peer Median: -

#279 of 302 Bottom 7.9% in 1B-3B tier

274

First Mortgage Concentration (%)

balance_sheet

Value: 54.62%

Peer Median: -

#274 of 302 Bottom 9.6% in 1B-3B tier

271

Total Deposits

balance_sheet

Value: $933.01M

Peer Median: -

#271 of 302 Bottom 10.6% in 1B-3B tier

260

Total Assets

balance_sheet

Value: $1.13B

Peer Median: -

#260 of 302 Bottom 14.2% in 1B-3B tier

244

Loan-to-Share Ratio

balance_sheet

Value: 73.40%

Peer Median: -

#244 of 302 Bottom 19.5% in 1B-3B tier