BlastPoint's Credit Union Scorecard

MADISON

Charter #66431 · WI

<100M

2556 CUs in <100M nationally 52 in WI

MADISON has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.47% above tier average
+ Average Member Relationship (AMR): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 4.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	3,089 +0.4% YoY-0.8% QoQ	+473	2,615 -1.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	68%
Assets	$60.8M +3.7% YoY-1.4% QoQ	+$30.7M	$30.1M +2.1% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	83%
Loans	$26.5M +2.6% YoY-0.3% QoQ	+$10.7M	$15.8M -1.3% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	79%
Deposits	$55.3M +2.8% YoY+1.6% QoQ	+$29.6M	$25.7M +1.4% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	85%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +8.3% YoY+12.7% QoQ	+0.5%	0.6% +10.8% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	69%
NIM	3.7% +9.5% YoY+1.9% QoQ	-0.2%	4.0% +4.0% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	43%
Efficiency Ratio	69.4% -4.3% YoY-3.1% QoQ	-13.2%	82.6% -2.3% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	0.5% +218.3% YoY+167.9% QoQ	-1.1	1.6% -3.1% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	40%
Loan To Share	47.9% -0.2% YoY-1.9% QoQ	-12.7%	60.6% -3.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	30%
AMR	$26,466 +2.3% YoY+1.8% QoQ	+$12K	$14,783 -1.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	Top 6.6% in tier
CD Concentration	9.4% -2.0% YoY-7.7% QoQ	-15.0%	24.4%	21.5%	19.8%	50%
Indirect Auto %	24.9% +11.5% YoY+3.9% QoQ	+11.1%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (5 metrics)

169

Average Member Relationship (AMR)

engagement

Value: $26,466

Peer Median: -

#169 of 2556 Top 6.6% in <100M tier

372

Loan-to-Member Ratio (LMR)

engagement

Value: $8,573

Peer Median: -

#372 of 2556 Top 14.5% in <100M tier

391

Total Deposits

balance_sheet

Value: $55.27M

Peer Median: -

#391 of 2556 Top 15.3% in <100M tier

428

Total Assets

balance_sheet

Value: $60.85M

Peer Median: -

#428 of 2556 Top 16.7% in <100M tier

548

Total Loans

balance_sheet

Value: $26.48M

Peer Median: -

#548 of 2556 Top 21.4% in <100M tier

Top Weaknesses (2 metrics)

2438

Indirect Auto Concentration (%)

balance_sheet

Value: 24.85%

Peer Median: -

#2438 of 2556 Bottom 4.7% in <100M tier

1929

First Mortgage Concentration (%)

balance_sheet

Value: 26.38%

Peer Median: -

#1929 of 2556 Bottom 24.6% in <100M tier