BlastPoint's Credit Union Scorecard
SERVICES
Charter #96066 · IL
<100M
2508 CUs in <100M nationally
137 in IL
SERVICES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.44% above tier average
- + Net Worth Ratio: Top 0.2% in tier
- + Efficiency Ratio: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.70% above tier average
- - Member decline: -8.8% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Average Member Relationship (AMR): Bottom 0.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Deposits: Bottom 0.8% in tier
- - Total Loans: Bottom 1.5% in tier
- - Total Assets: Bottom 2.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,736
-8.8% YoY-1.3% QoQ
|
+59 |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$404,626
+3.2% YoY+0.5% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.4% in tier |
| Loans |
$26,672
-7.6% YoY-5.5% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.4% in tier |
| Deposits |
$112,949
+2.1% YoY+0.6% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.8% in tier |
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| ROA |
1.6%
-41.0% YoY-42.8% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Top 13.2% in tier |
| NIM |
2.3%
-29.4% YoY-17.3% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio |
36.9%
+33.1% YoY+196.6% QoQ
|
-53.7% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Top 1.6% in tier |
| Delinquency Rate |
2.2%
-0.1% YoY+0.4% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
23.6%
-9.5% YoY-6.0% QoQ
|
-34.9% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.5% in tier |
| AMR |
$51.0
+9.7% YoY+0.6% QoQ
|
$-15K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
7
Net Worth Ratio
risk
Value:
69.02%
Peer Median: 14.28%
#7 of 2508
Top 0.2% in <100M tier
42
Efficiency Ratio
profitability
Value:
36.89%
Peer Median: 81.45%
#42 of 2508
Top 1.6% in <100M tier
256
AMR Growth Rate
growth
Value:
9.73%
Peer Median: 1.27%
#256 of 2508
Top 10.2% in <100M tier
331
Return on Assets (ROA)
profitability
Value:
1.59%
Peer Median: 0.61%
#331 of 2508
Top 13.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2505
Average Member Relationship (AMR)
engagement
Value:
$51.03
Peer Median: $13,926
#2505 of 2508
Bottom 0.2% in <100M tier
2496
Loan-to-Member Ratio (LMR)
engagement
Value:
$9.75
Peer Median: $4,923
#2496 of 2508
Bottom 0.5% in <100M tier
2489
Total Deposits
balance_sheet
Value:
$112,949
Peer Median: $18.77M
#2489 of 2508
Bottom 0.8% in <100M tier
2472
Total Loans
balance_sheet
Value:
$26,672
Peer Median: $9.48M
#2472 of 2508
Bottom 1.5% in <100M tier
2447
Total Assets
balance_sheet
Value:
$404,626
Peer Median: $21.86M
#2447 of 2508
Bottom 2.5% in <100M tier
2367
Net Interest Margin (NIM)
profitability
Value:
2.30%
Peer Median: 3.83%
#2367 of 2508
Bottom 5.7% in <100M tier
2352
Fee Income Per Member
profitability
Value:
$0.32
Peer Median: $60.42
#2352 of 2508
Bottom 6.3% in <100M tier
2343
Loan-to-Share Ratio
balance_sheet
Value:
23.61%
Peer Median: 58.72%
#2343 of 2508
Bottom 6.6% in <100M tier
2323
Member Growth Rate
growth
Value:
-8.80%
Peer Median: -1.37%
#2323 of 2508
Bottom 7.4% in <100M tier