BlastPoint's Credit Union Scorecard
SERVICES
Charter #96066 · IL
2556 CUs in <100M nationally
138 in IL
SERVICES has 8 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 0.2% in tier
- + AMR Growth Rate: Top 8.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.64% above tier average
- - Member decline: -9.7% 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 1.6% in tier
- - Total Assets: Bottom 2.5% in tier
- - Member Growth Rate: Bottom 5.7% in tier
- - Fee Income Per Member: Bottom 5.8% in tier
- - Loan-to-Share Ratio: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,771
-9.7% YoY-2.6% QoQ
|
+155 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$402,471
+3.5% YoY+0.7% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.5% in tier |
| Loans |
$28,223
-6.6% YoY+0.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.6% in tier |
| Deposits |
$112,328
+2.4% YoY+0.2% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.8% in tier |
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| ROA |
2.8%
-31.8% YoY-2.3% QoQ
|
+2.2% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.2% in tier |
| NIM |
2.8%
-31.9% YoY-3.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio |
12.4%
+18.8% YoY-11.7% QoQ
|
-70.1% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate |
2.2%
-32.7% YoY-12.6% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
25.1%
-8.8% YoY+0.4% QoQ
|
-35.5% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.8% in tier |
| AMR |
$50.7
+11.2% YoY+3.0% QoQ
|
$-15K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
7
Efficiency Ratio
profitability
Value:
12.44%
Peer Median: -
#7 of 2556
Top 0.2% in <100M tier
7
Net Worth Ratio
risk
Value:
68.99%
Peer Median: -
#7 of 2556
Top 0.2% in <100M tier
55
Return on Assets (ROA)
profitability
Value:
2.77%
Peer Median: -
#55 of 2556
Top 2.1% in <100M tier
206
AMR Growth Rate
growth
Value:
11.24%
Peer Median: -
#206 of 2556
Top 8.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (11 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2553
Average Member Relationship (AMR)
engagement
Value:
$50.72
Peer Median: -
#2553 of 2556
Bottom 0.2% in <100M tier
2543
Loan-to-Member Ratio (LMR)
engagement
Value:
$10.19
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2536
Total Deposits
balance_sheet
Value:
$112,328
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2515
Total Loans
balance_sheet
Value:
$28,223
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2493
Total Assets
balance_sheet
Value:
$402,471
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2412
Member Growth Rate
growth
Value:
-9.68%
Peer Median: -
#2412 of 2556
Bottom 5.7% in <100M tier
2409
Fee Income Per Member
profitability
Value:
$0.56
Peer Median: -
#2409 of 2556
Bottom 5.8% in <100M tier
2381
Loan-to-Share Ratio
balance_sheet
Value:
25.13%
Peer Median: -
#2381 of 2556
Bottom 6.9% in <100M tier
2216
Net Interest Margin (NIM)
profitability
Value:
2.78%
Peer Median: -
#2216 of 2556
Bottom 13.3% in <100M tier