BlastPoint's Credit Union Scorecard
PCM
Charter #66424 · WI
PCM has 6 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 43.8% in tier
- + Organic Growth Engine: Top 46.6% in tier
- + Relationship Depth Leader: Top 57.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37.6% in tier
- - Credit Quality Pressure: Bottom 52.1% in tier
- - Liquidity Strain: Bottom 83.7% in tier
- - ROA 0.04% below tier average
- - Total Assets: Bottom 0.6% in tier
- - Total Deposits: Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - First Mortgage Concentration (%): Bottom 1.2% in tier
- - Total Members: Bottom 1.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,441
+3.0% YoY+0.9% QoQ
|
-23.1K |
38,575
-4.8% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.6% in tier |
| Assets |
$501.0M
+7.0% YoY+0.5% QoQ
|
$-120.8M |
$621.7M
+0.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.0% in tier |
| Loans |
$359.2M
+8.2% YoY+0.5% QoQ
|
$-70.7M |
$429.8M
-1.8% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$397.7M
+7.1% YoY+0.2% QoQ
|
$-141.1M |
$538.7M
+0.6% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.0% in tier |
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| ROA |
0.6%
+81.3% YoY+1.0% QoQ
|
-0.0% |
0.7%
+42.9% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
2.0%
+19.3% YoY+2.2% QoQ
|
-1.5% |
3.4%
+8.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
70.5%
-11.1% YoY-0.0% QoQ
|
-7.0% |
77.5%
-4.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.5%
+61.1% YoY+0.9% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
90.3%
+1.0% YoY+0.3% QoQ
|
+10.5% |
79.8%
-2.3% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$49,013
+4.5% YoY-0.5% QoQ
|
+$22K |
$26,849
+2.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 1.8% in tier |
| CD Concentration |
37.4%
+1.2% YoY-1.2% QoQ
|
+13.0% | 24.4% | 21.5% | 19.8% | Top 10.3% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)