BlastPoint's Credit Union Scorecard
MEMBERSALLIANCE
Charter #81402 · IL
MEMBERSALLIANCE has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 27.7% in tier
- + Organic Growth Engine: Top 29.1% in tier
- + Net Interest Margin 0.12% above tier average
- + Share Certificate Concentration (%): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 26.8% in tier
- - ROA 0.01% below tier average
- - Efficiency ratio 2.22% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,740
+1.0% YoY+0.3% QoQ
|
+6.1K |
15,628
-3.4% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$284.2M
+3.5% YoY-0.8% QoQ
|
+$52.9M |
$231.3M
-0.0% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$191.2M
+8.6% YoY+3.9% QoQ
|
+$43.4M |
$147.8M
-1.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$253.9M
+2.0% YoY-0.9% QoQ
|
+$53.6M |
$200.3M
-0.0% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
0.8%
+60.5% YoY+1.3% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
51% |
| NIM |
3.7%
+21.1% YoY+3.7% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
79.5%
-10.4% YoY-0.2% QoQ
|
+2.2% |
77.3%
-3.0% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.4%
-10.0% YoY-7.1% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
75.3%
+6.5% YoY+4.9% QoQ
|
+2.6% |
72.7%
-1.5% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$20,471
+3.7% YoY+0.8% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
7.1%
-14.1% YoY-1.7% QoQ
|
-17.3% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.8%
-1.2% YoY+0.8% QoQ
|
+5.9% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)