BlastPoint's Credit Union Scorecard

SELFRELIANCE

Charter #7346 · IL

Mid-Market 1B-3B

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

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SELFRELIANCE has 7 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

+ Organic Growth Engine: Top 12.3% in tier
+ Organic Growth Leader: Top 14.0% in tier
+ Relationship Depth Leader: Top 24.2% in tier
+ Wallet Share Momentum: Top 53.9% in tier
+ Emerging Performer: Top 71.8% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Deposit Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.5% in tier
- Credit Quality Pressure: Bottom 1.6% in tier
- ROA 0.09% below tier average
- Efficiency ratio 1.61% above tier (higher cost structure)
- Delinquency rate 1.17% above tier average
- Fee Income Per Member: Bottom 3.6% in tier
- Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- Total Members: Bottom 4.9% in tier
- Total Loans: Bottom 5.3% in tier
- Share Certificate Concentration (%): Bottom 6.9% in tier
- First Mortgage Concentration (%): Bottom 8.6% in tier
- Net Interest Margin (NIM): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	48,929 +4.6% YoY+0.4% QoQ	-49.7K	98,678 -1.9% YoY	21,352 +8.3% YoY	33,089 +6.1% YoY	Bottom 4.6% in tier
Assets	$1.1B +10.4% YoY+3.7% QoQ	$-594.1M	$1.7B +0.5% YoY	$379.6M +9.6% YoY	$547.7M +7.8% YoY	Bottom 13.2% in tier
Loans	$671.9M +12.5% YoY+3.5% QoQ	$-561.2M	$1.2B +0.5% YoY	$267.7M +12.9% YoY	$388.7M +8.6% YoY	Bottom 4.9% in tier
Deposits	$925.6M +12.4% YoY+3.6% QoQ	$-528.8M	$1.5B +1.3% YoY	$314.3M +10.4% YoY	$464.6M +9.3% YoY	Bottom 10.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +109.9% YoY+9.0% QoQ	-0.1%	0.7% +13.4% YoY	0.8% -108.9% YoY	0.7% +273.4% YoY	45%
NIM	2.5% +22.5% YoY-0.3% QoQ	-0.8%	3.3% +9.3% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	Bottom 8.6% in tier
Efficiency Ratio	75.6% -13.3% YoY-4.4% QoQ	+1.6%	74.0% -10.9% YoY	90.4% +10.2% YoY	79.1% -3.3% YoY	56%
Delinquency Rate	2.0% +58.2% YoY+4.9% QoQ	+1.2	0.8% +6.1% YoY	1.5% -12.1% YoY	1.2% -0.9% YoY	Top 3.9% in tier
Loan To Share	72.6% +0.1% YoY-0.1% QoQ	-12.6%	85.2% -0.8% YoY	62.3% -1.7% YoY	68.0% -1.7% YoY	18%
AMR	$32,648 +7.5% YoY+3.1% QoQ	+$3K	$29,172 +2.8% YoY	$15,032 +2.8% YoY	$19,418 +1.3% YoY	76%
CD Concentration	42.8% +4.3% YoY+6.3% QoQ	+13.9%	29.0% +0.7% YoY	13.7% +4.0% YoY	19.6% +6.2% YoY	Top 8.4% in tier
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	7.2% +3.4% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#90 of 246 • Top 12.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.63%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.61%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth

#56 of 138 • Top 14.0% in tier

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

Why This Signature

Member Growth (YoY): 4.63%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#17 of 67 • Top 24.2% 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): 7.46%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Wallet Share Momentum

growth

#63 of 116 • Top 53.9% in tier

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

Why This Signature

AMR Growth (YoY): 7.46%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Emerging Performer

growth

#52 of 72 • Top 71.8% 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: 0.61%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 4.63%

(Tier: 3.18%, National: 9.37%)

better than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#4 of 161 • Bottom 0.5% in tier

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

Why This Signature

Loan Growth (YoY): 12.50%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.73% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY

Credit Quality Pressure

risk

#13 of 217 • Bottom 1.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.73% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 12.39%

Peer Avg: -

#29 of 304 Top 9.2% in 1B-3B tier

Loan Growth Rate

growth

Value: 12.50%

Peer Avg: -

#34 of 304 Top 10.9% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.39%

Peer Avg: -

#37 of 304 Top 11.8% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Avg: -

#42 of 304 Top 13.5% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.46%

Peer Avg: -

#53 of 304 Top 17.1% in 1B-3B tier

Member Growth Rate

growth

Value: 4.63%

Peer Avg: -

#73 of 304 Top 23.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $32,648

Peer Avg: -

#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (10 metrics)

294

Fee Income Per Member

profitability

Value: $89.61

Peer Avg: -

#294 of 304 Bottom 3.6% in 1B-3B tier

293

Total Delinquency Rate (60+ days)

risk

Value: 1.99%

Peer Avg: -

#293 of 304 Bottom 3.9% in 1B-3B tier

290

Total Members

engagement

Value: 48,929

Peer Avg: -

#290 of 304 Bottom 4.9% in 1B-3B tier

289

Total Loans

balance_sheet

Value: $671.87M

Peer Avg: -

#289 of 304 Bottom 5.3% in 1B-3B tier

284

Share Certificate Concentration (%)

balance_sheet

Value: 42.83%

Peer Avg: -

#284 of 304 Bottom 6.9% in 1B-3B tier

279

First Mortgage Concentration (%)

balance_sheet

Value: 55.10%

Peer Avg: -

#279 of 304 Bottom 8.6% in 1B-3B tier

278

Net Interest Margin (NIM)

profitability

Value: 2.47%

Peer Avg: -

#278 of 304 Bottom 8.9% in 1B-3B tier

272

Total Deposits

balance_sheet

Value: $925.57M

Peer Avg: -

#272 of 304 Bottom 10.9% in 1B-3B tier

264

Total Assets

balance_sheet

Value: $1.13B

Peer Avg: -

#264 of 304 Bottom 13.5% in 1B-3B tier

250

Loan-to-Share Ratio

balance_sheet

Value: 72.59%

Peer Avg: -

#250 of 304 Bottom 18.1% in 1B-3B tier