BlastPoint's Credit Union Scorecard
SELFRELIANCE
Charter #7346 · IL
SELFRELIANCE has 5 strengths but faces 8 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
- + Relationship Depth Leader: Top 14.2% in tier
- + Wallet Share Momentum: Top 14.2% in tier
- + Emerging Performer: Top 51.7% in tier
- + Organic Growth Engine: Top 58.2% in tier
- + Organic Growth Leader: Top 58.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 1.23% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
- - Fee Income Per Member: Bottom 2.6% in tier
- - Total Members: Bottom 5.2% in tier
- - Total Loans: Bottom 7.2% in tier
- - Share Certificate Concentration (%): Bottom 7.2% in tier
- - First Mortgage Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,785
+1.3% YoY-0.5% QoQ
|
-47.3K |
96,048
-2.7% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 4.9% in tier |
| Assets |
$1.1B
+6.5% YoY+0.5% QoQ
|
$-585.1M |
$1.7B
+0.4% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$698.1M
+10.2% YoY+1.9% QoQ
|
$-515.6M |
$1.2B
+0.2% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.9% in tier |
| Deposits |
$952.9M
+8.7% YoY+2.1% QoQ
|
$-512.7M |
$1.5B
+0.5% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.1% in tier |
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| ROA |
0.7%
+17.2% YoY+14.3% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
2.8%
+15.2% YoY+13.1% QoQ
|
-0.6% |
3.4%
+6.2% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio |
75.9%
-4.2% YoY-0.2% QoQ
|
+1.2% |
74.6%
-3.0% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
1.1%
-38.5% YoY-36.6% QoQ
|
+0.4 |
0.8%
+6.9% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
73.3%
+1.4% YoY-0.2% QoQ
|
-9.9% |
83.2%
-0.4% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$33,842
+7.9% YoY+2.6% QoQ
|
+$4K |
$29,652
+2.3% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
78% |
| CD Concentration |
42.4%
+5.8% YoY+0.1% QoQ
|
+13.5% | 28.8% | 14.0% | 19.8% | Top 8.6% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 7.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (0)
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)