BlastPoint's Credit Union Scorecard
SELFRELIANCE
Charter #7346 · IL
SELFRELIANCE has 3 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 5.4% in tier
- + Wallet Share Momentum: Top 5.4% in tier
- + AMR Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 91.1% in tier
- - Stagnation Risk: Bottom 91.1% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 0.73% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
- - Member decline: -3.2% YoY
- - Fee Income Per Member: Bottom 5.0% in tier
- - Total Members: Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Illinois.
- Shares and deposits +10.4% year over year ($986M in shares and deposits).
- Membership: 47,153 members, -3.2% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.69%.
- Efficiency ratio 73.74% vs a 73.02% peer average.
- Loan-to-share ratio 73.49% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,153
-3.2% YoY-3.3% QoQ
|
-49.7K |
96,861
-1.9% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
Bottom 5.0% in tier |
| Assets |
$1.2B
+9.2% YoY+4.5% QoQ
|
$-538.9M |
$1.7B
+0.4% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$724.6M
+11.6% YoY+3.8% QoQ
|
$-509.7M |
$1.2B
+0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.0% in tier |
| Deposits |
$986.0M
+10.4% YoY+3.5% QoQ
|
$-477.3M |
$1.5B
+0.5% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.7%
+23.0% YoY+4.8% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
2.8%
+11.9% YoY-0.5% QoQ
|
-0.7% |
3.4%
+6.6% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
73.7%
-6.8% YoY-2.8% QoQ
|
+0.7% |
73.0%
-2.7% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.9%
-51.8% YoY-17.9% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
73.5%
+1.1% YoY+0.3% QoQ
|
-11.2% |
84.7%
+0.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$36,277
+14.6% YoY+7.2% QoQ
|
+$7K |
$29,575
+1.5% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Top 14.0% in tier |
| CD Concentration |
42.1%
+4.6% YoY-0.6% QoQ
|
+13.1% | 29.1% | 14.0% | 20.0% | Top 8.8% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 6.8% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
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.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)