BlastPoint's Credit Union Scorecard
DUPAGE
Charter #97084 · IL
DUPAGE has 5 strengths but faces 8 concerns
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How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 40.8% in tier
- + ROA 0.43% above tier average
- + Net Interest Margin 1.38% above tier average
- + First Mortgage Concentration (%): Top 1.8% in tier
- + Share Certificate Concentration (%): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1.0% in tier
- - Stagnation Risk: Bottom 4.8% in tier
- - Membership Headwinds: Bottom 8.5% in tier
- - Indirect Auto Dependency: Bottom 23.3% in tier
- - Liquidity Strain: Bottom 28.8% in tier
- - Efficiency ratio 0.88% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Member Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,306
-4.4% YoY-1.7% QoQ
|
+7.6K |
39,752
-2.7% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$566.1M
-0.4% YoY-0.6% QoQ
|
$-56.3M |
$622.4M
+0.3% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$444.2M
+2.3% YoY-0.5% QoQ
|
+$8.3M |
$435.9M
-0.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$483.8M
+4.2% YoY-1.2% QoQ
|
$-54.2M |
$538.0M
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
1.1%
-3.6% YoY+16.2% QoQ
|
+0.4% |
0.7%
+33.9% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
4.8%
+5.8% YoY+2.8% QoQ
|
+1.4% |
3.4%
+8.6% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.4% in tier |
| Efficiency Ratio |
79.0%
-1.1% YoY-0.8% QoQ
|
+0.9% |
78.1%
-3.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.6%
-30.2% YoY+0.5% QoQ
|
-0.2 |
0.8%
-4.9% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
91.8%
-1.8% YoY+0.7% QoQ
|
+10.8% |
81.0%
-1.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$19,618
+8.1% YoY+0.8% QoQ
|
$-7K |
$26,482
+2.6% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.8% in tier |
| CD Concentration |
15.9%
+25.4% YoY+3.6% QoQ
|
-8.5% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
22% |
| Indirect Auto % |
25.1%
-26.1% YoY-7.3% QoQ
|
+11.2% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)