BlastPoint's Credit Union Scorecard
THRIVENT
Charter #24849 · WI
THRIVENT has 1 strength but faces 8 concerns
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 85.0% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 12.33% above tier (higher cost structure)
- - Member decline: -2.2% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2025-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,318
-2.2% YoY-0.3% QoQ
|
+197 |
51,120
-3.0% YoY
|
37,438
+6.3% YoY
|
32,082
+5.7% YoY
|
50% |
| Assets |
$779.9M
-16.2% YoY-1.1% QoQ
|
$-77.7M |
$857.6M
-0.7% YoY
|
$680.5M
+8.0% YoY
|
$530.6M
+6.3% YoY
|
19% |
| Loans |
$598.7M
-5.8% YoY-2.2% QoQ
|
+$12.9M |
$585.7M
-0.8% YoY
|
$520.8M
+7.6% YoY
|
$370.4M
+7.0% YoY
|
46% |
| Deposits |
$612.4M
-19.6% YoY-0.8% QoQ
|
$-125.6M |
$738.0M
+0.5% YoY
|
$575.3M
+8.6% YoY
|
$453.0M
+8.2% YoY
|
Bottom 5.3% in tier |
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| ROA |
0.3%
-35.4% YoY-43.5% QoQ
|
-0.2% |
0.5%
+12.3% YoY
|
0.3%
-53.8% YoY
|
0.6%
+4.8% YoY
|
30% |
| NIM |
3.2%
+13.7% YoY+0.6% QoQ
|
-0.1% |
3.3%
+8.3% YoY
|
3.2%
-6.6% YoY
|
3.6%
+5.4% YoY
|
41% |
| Efficiency Ratio |
90.5%
+5.8% YoY+6.5% QoQ
|
+12.3% |
78.2%
-1.0% YoY
|
77.6%
-1.9% YoY
|
82.3%
-3.9% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
0.3%
+14.4% YoY+15.2% QoQ
|
-0.3 |
0.7%
+10.0% YoY
|
0.8%
-0.6% YoY
|
1.1%
+2.1% YoY
|
18% |
| Loan To Share |
97.8%
+17.2% YoY-1.4% QoQ
|
+17.7% |
80.0%
-1.1% YoY
|
79.0%
-0.1% YoY
|
66.5%
-2.1% YoY
|
Top 10.5% in tier |
| AMR |
$23,599
-11.3% YoY-1.2% QoQ
|
$-5K |
$28,702
+2.4% YoY
|
$22,480
+2.8% YoY
|
$19,598
+2.2% YoY
|
39% |
| CD Concentration |
20.9%
+2.0% YoY+1.7% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)