BlastPoint's Credit Union Scorecard
PCM
Charter #66424 · WI
PCM has 10 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 16.4% in tier
- + Organic Growth Engine: Top 19.5% in tier
- + Relationship Depth Leader: Top 38.7% in tier
- + Wallet Share Momentum: Top 75.6% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 0.2% in tier
- + Total Loans: Top 1.5% in tier
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Total Deposits: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10.0% in tier
- - Credit Quality Pressure: Bottom 16.3% in tier
- - Liquidity Strain: Bottom 26.6% in tier
- - ROA 0.18% below tier average
- - First Mortgage Concentration (%): Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 2.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,308
+2.5% YoY+0.7% QoQ
|
-320 |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$498.3M
+7.1% YoY+2.3% QoQ
|
+$267.0M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Top 0.3% in tier |
| Loans |
$357.3M
+9.1% YoY+3.0% QoQ
|
+$209.5M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Top 1.6% in tier |
| Deposits |
$396.9M
+8.3% YoY+2.8% QoQ
|
+$196.6M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Top 3.9% in tier |
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| ROA |
0.6%
+126.0% YoY+17.5% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
1.9%
+19.0% YoY+2.4% QoQ
|
-1.6% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
70.5%
-12.1% YoY-2.3% QoQ
|
-6.7% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.5%
+46.7% YoY+5.9% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
90.0%
+0.7% YoY+0.2% QoQ
|
+17.3% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$49,267
+6.1% YoY+2.2% QoQ
|
+$25K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 2.3% in tier |
| CD Concentration |
37.9%
+1.9% YoY+5.5% QoQ
|
+13.5% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)