BlastPoint's Credit Union Scorecard
ABBOTT LABORATORIES
Charter #96071 · IL
ABBOTT LABORATORIES has 12 strengths but faces 5 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
- + Credit Quality Leader: Top 4.3% in tier
- + Organic Growth Engine: Top 10.9% in tier
- + Organic Growth Leader: Top 22.2% in tier
- + Emerging Performer: Top 62.0% in tier
- + Relationship Depth Leader: Top 68.2% in tier
- + ROA 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 1.3% in tier
- + Average Member Relationship (AMR): Top 3.3% in tier
- + Loan-to-Member Ratio (LMR): Top 7.6% in tier
- + Net Charge-Off Rate: Top 7.9% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 17.1% in tier
- - Total Members: Bottom 1.3% in tier
- - Total Loans: Bottom 3.6% in tier
- - Net Interest Margin (NIM): Bottom 6.9% in tier
- - First Mortgage Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,867
+2.3% YoY+0.8% QoQ
|
-65.8K |
98,678
-1.9% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 1.0% in tier |
| Assets |
$1.1B
+7.2% YoY+0.4% QoQ
|
$-610.5M |
$1.7B
+0.5% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.2% in tier |
| Loans |
$605.9M
+4.6% YoY+0.3% QoQ
|
$-627.1M |
$1.2B
+0.5% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.3% in tier |
| Deposits |
$959.1M
+6.8% YoY-0.1% QoQ
|
$-495.2M |
$1.5B
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
15% |
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| ROA |
0.9%
-22.5% YoY-0.1% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
2.4%
+0.2% YoY+2.2% QoQ
|
-0.9% |
3.3%
+9.3% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
65.2%
+6.8% YoY+0.8% QoQ
|
-8.7% |
74.0%
-10.9% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.1%
-26.7% YoY-30.9% QoQ
|
-0.7 |
0.8%
+6.1% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
63.2%
-2.1% YoY+0.4% QoQ
|
-22.0% |
85.2%
-0.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.5% in tier |
| AMR |
$47,617
+3.5% YoY-0.7% QoQ
|
+$18K |
$29,172
+2.8% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 3.6% in tier |
| CD Concentration |
34.4%
+7.2% YoY+2.0% QoQ
|
+5.5% |
29.0%
+0.7% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
74% |
| 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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)