BlastPoint's Credit Union Scorecard

DUPAGE

Charter #97084 · IL

Community 500M-750M

167 CUs in 500M-750M nationally 8 in IL

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DUPAGE has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 23.3% in tier
+ Net Interest Margin 1.02% above tier average
+ First Mortgage Concentration (%): Top 1.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.8% in tier
- Indirect Auto Dependency: Bottom 49.9% in tier
- Membership Headwinds: Bottom 63.3% in tier
- Stagnation Risk: Bottom 63.3% in tier
- ROA 0.44% below tier average
- Efficiency ratio 11.19% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	48,466 -1.0% YoY+1.7% QoQ	+10.4K	38,079 -4.8% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	Top 12.0% in tier
Assets	$595.9M +4.1% YoY+2.6% QoQ	$-23.8M	$619.7M -0.2% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	40%
Loans	$450.5M +8.1% YoY+2.8% QoQ	+$31.1M	$419.3M -1.4% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	62%
Deposits	$511.6M +3.4% YoY+2.9% QoQ	$-27.9M	$539.5M -0.1% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -71.3% YoY-75.3% QoQ	-0.4%	0.7% +36.0% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	20%
NIM	4.5% -1.4% YoY-6.1% QoQ	+1.0%	3.5% +4.5% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	Top 5.4% in tier
Efficiency Ratio	89.6% +10.9% YoY+11.0% QoQ	+11.2%	78.4% -3.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Bottom 13.8% in tier
Delinquency Rate	0.4% -33.8% YoY-38.4% QoQ	-0.3	0.7% -0.9% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	28%
Loan To Share	88.1% +4.5% YoY-0.1% QoQ	+10.4%	77.7% -1.2% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	77%
AMR	$19,850 +6.7% YoY+1.2% QoQ	$-7K	$26,927 +3.1% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	Bottom 12.6% in tier
CD Concentration	17.5% +17.6% YoY+7.3% QoQ	-6.7%	24.3%	14.0%	19.8%	25%
Indirect Auto %	19.2% -37.0% YoY-16.3% QoQ	+5.4%	13.8%	7.2%	7.7%	70%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#311 of 491 • Top 23.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.68%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#221 of 596 • Bottom 14.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.58%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.61% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#371 of 504 • Bottom 49.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.09%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 19.24%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Membership Headwinds

decline

#491 of 570 • Bottom 63.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#550 of 570 • Bottom 63.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.05%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 8.11%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.40%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 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 167 peers in tier

Top Strengths (6 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 8.06%

Peer Median: 32.87%

#3 of 167 Top 1.2% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.49%

Peer Median: 3.48%

#9 of 167 Top 4.8% in 500M-750M tier

Total Members

engagement

Value: 48,466

Peer Median: 36,874

#20 of 167 Top 11.4% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.54%

Peer Median: 26.29%

#25 of 167 Top 14.4% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 88.05%

Peer Median: 79.97%

#38 of 167 Top 22.2% in 500M-750M tier

AMR Growth Rate

growth

Value: 6.68%

Peer Median: 4.03%

#42 of 167 Top 24.6% in 500M-750M tier

Top Weaknesses (4 metrics)

146

Average Member Relationship (AMR)

engagement

Value: $19,850

Peer Median: $25,600

#146 of 167 Bottom 13.2% in 500M-750M tier

145

Efficiency Ratio

profitability

Value: 89.58%

Peer Median: 78.61%

#145 of 167 Bottom 13.8% in 500M-750M tier

133

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: 0.61%

#133 of 167 Bottom 21.0% in 500M-750M tier

132

Fee Income Per Member

profitability

Value: $130.51

Peer Median: $178.80

#132 of 167 Bottom 21.6% in 500M-750M tier