BlastPoint's Credit Union Scorecard
DUPAGE
Charter #97084 · IL
DUPAGE has 5 strengths but faces 6 concerns
How does the industry compare?
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How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 47.9% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 1.33% above tier average
- + First Mortgage Concentration (%): Top 1.2% in tier
- + Share Certificate Concentration (%): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 34.2% in tier
- - Stagnation Risk: Bottom 49.5% in tier
- - Indirect Auto Dependency: Bottom 65.7% in tier
- - Efficiency Drag: Bottom 71.3% in tier
- - Efficiency ratio 3.21% above tier (higher cost structure)
- - Member decline: -4.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,662
-4.0% YoY+0.8% QoQ
|
+9.1K |
38,575
-4.8% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$581.1M
+2.8% YoY+2.6% QoQ
|
$-40.6M |
$621.7M
+0.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$438.0M
+2.4% YoY-1.4% QoQ
|
+$8.2M |
$429.8M
-1.8% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$497.0M
+4.6% YoY+2.7% QoQ
|
$-41.7M |
$538.7M
+0.6% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
1.0%
+3.1% YoY-8.9% QoQ
|
+0.3% |
0.7%
+42.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.8%
+4.3% YoY-0.7% QoQ
|
+1.3% |
3.4%
+8.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 2.4% in tier |
| Efficiency Ratio |
80.7%
-0.3% YoY+2.2% QoQ
|
+3.2% |
77.5%
-4.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.6%
-33.6% YoY+4.5% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
88.1%
-2.1% YoY-4.0% QoQ
|
+8.3% |
79.8%
-2.3% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$19,618
+7.9% YoY-0.0% QoQ
|
$-7K |
$26,849
+2.7% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.7% in tier |
| CD Concentration |
16.3%
+21.3% YoY+3.0% QoQ
|
-8.1% | 24.4% | 14.1% | 19.8% | 23% |
| Indirect Auto % |
23.0%
-28.0% YoY-8.6% QoQ
|
+9.2% | 13.8% | 7.1% | 7.8% | 75% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)