BlastPoint's Credit Union Scorecard

ABBOTT LABORATORIES

Charter #96071 · IL

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

ABBOTT LABORATORIES has 11 strengths but faces 7 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 41.5% in tier
+ Organic Growth Leader: Top 71.6% in tier
+ Emerging Performer: Top 73.7% in tier
+ Relationship Depth Leader: Top 78.1% in tier
+ ROA 0.23% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 2.3% in tier
+ Average Member Relationship (AMR): Top 4.0% in tier
+ Loan-to-Member Ratio (LMR): Top 7.9% in tier
+ Net Charge-Off Rate: Top 8.6% in tier
+ Net Worth Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 66.7% in tier
- Credit Quality Pressure: Bottom 79.0% in tier
- Credit Risk Growth: Bottom 90.8% in tier
- Total Members: Bottom 1.3% in tier
- Total Loans: Bottom 4.0% in tier
- Net Interest Margin (NIM): Bottom 6.6% in tier
- First Mortgage Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	32,890 +2.1% YoY+0.1% QoQ	-64.5K	97,431 -2.4% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	Bottom 1.0% in tier
Assets	$1.1B +7.5% YoY+0.6% QoQ	$-607.4M	$1.7B +0.9% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	Bottom 12.6% in tier
Loans	$609.9M +3.7% YoY+0.6% QoQ	$-624.6M	$1.2B +0.5% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	Bottom 3.6% in tier
Deposits	$962.2M +6.6% YoY+0.3% QoQ	$-497.1M	$1.5B +0.9% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	Bottom 14.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -18.1% YoY-3.8% QoQ	+0.2%	0.7% +20.9% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	72%
NIM	2.4% +1.3% YoY-0.4% QoQ	-0.9%	3.3% +9.2% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	Bottom 6.3% in tier
Efficiency Ratio	66.0% +5.3% YoY+1.2% QoQ	-8.0%	74.1% -9.5% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	0.1% +110.0% YoY+20.2% QoQ	-0.8	0.9% +6.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	Bottom 2.3% in tier
Loan To Share	63.4% -2.7% YoY+0.3% QoQ	-21.4%	84.8% -0.8% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	Bottom 9.9% in tier
AMR	$47,798 +3.3% YoY+0.4% QoQ	+$18K	$29,428 +2.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	Top 4.3% in tier
CD Concentration	33.7% +3.3% YoY-2.1% QoQ	+4.6%	29.0%	14.1%	19.8%	72%
Indirect Auto %	0.0%	-18.3%	18.3%	7.1%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#103 of 247 • Top 41.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.09%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.91%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#102 of 142 • Top 71.6% in tier

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

Why This Signature

Member Growth (YoY): 2.09%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Emerging Performer

growth

#57 of 77 • Top 73.7% 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: 0.91%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.09%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Relationship Depth Leader

growth

#51 of 65 • Top 78.1% 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): 3.31%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $5.3K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (3)

Margin Compression

decline

#13 of 19 • Bottom 66.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.91%

(Tier: 0.69%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.12%

(Tier: 0.57%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 145 nationally

→ No prior data (19 CUs now) | New qualifier

Credit Quality Pressure

risk

#167 of 211 • Bottom 79.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

Credit Risk Growth

risk

#149 of 164 • Bottom 90.8% in tier

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

Why This Signature

Loan Growth (YoY): 3.71%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

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 302 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: -

#8 of 302 Top 2.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $47,798

Peer Median: -

#13 of 302 Top 4.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,542

Peer Median: -

#25 of 302 Top 7.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: -

#27 of 302 Top 8.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.33%

Peer Median: -

#29 of 302 Top 9.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.01%

Peer Median: -

#62 of 302 Top 20.2% in 1B-3B tier

Top Weaknesses (8 metrics)

299

Total Members

engagement

Value: 32,890

Peer Median: -

#299 of 302 Bottom 1.3% in 1B-3B tier

291

Total Loans

balance_sheet

Value: $609.85M

Peer Median: -

#291 of 302 Bottom 4.0% in 1B-3B tier

283

Net Interest Margin (NIM)

profitability

Value: 2.35%

Peer Median: -

#283 of 302 Bottom 6.6% in 1B-3B tier

280

First Mortgage Concentration (%)

balance_sheet

Value: 57.07%

Peer Median: -

#280 of 302 Bottom 7.6% in 1B-3B tier

272

Loan-to-Share Ratio

balance_sheet

Value: 63.38%

Peer Median: -

#272 of 302 Bottom 10.3% in 1B-3B tier

264

Total Assets

balance_sheet

Value: $1.12B

Peer Median: -

#264 of 302 Bottom 12.9% in 1B-3B tier

259

Total Deposits

balance_sheet

Value: $962.21M

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

257

Members Per Employee (MPE)

engagement

Value: 283.534

Peer Median: -

#257 of 302 Bottom 15.2% in 1B-3B tier