BlastPoint's Credit Union Scorecard

WINNEBAGO COMMUNITY

Charter #66437 · WI

100M-500M

1070 CUs in 100M-500M nationally 26 in WI

WINNEBAGO COMMUNITY has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.11% above tier average
+ Total Delinquency Rate (60+ days): Top 9.9% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 1.0% in tier
- Net Interest Margin (NIM): Bottom 6.7% in tier
- Share Certificate Concentration (%): Bottom 7.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	8,576 +0.6% YoY+0.5% QoQ	-6.6K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	22%
Assets	$173.2M +6.4% YoY+3.3% QoQ	$-58.5M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	41%
Loans	$123.3M -4.8% YoY-1.3% QoQ	$-20.9M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	51%
Deposits	$148.5M +6.2% YoY+3.6% QoQ	$-52.6M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	40%

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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	0.8% -15.8% YoY-27.9% QoQ	+0.1%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	60%
NIM	2.7% -0.8% YoY-5.2% QoQ	-0.9%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	Bottom 6.6% in tier
Efficiency Ratio	74.6% +5.0% YoY+12.5% QoQ	-3.4%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.2% -55.7% YoY-22.0% QoQ	-0.6	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	Top 9.9% in tier
Loan To Share	83.0% -10.4% YoY-4.8% QoQ	+12.6%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	75%
AMR	$31,696 +0.3% YoY+0.9% QoQ	+$7K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	85%
CD Concentration	40.4% +6.0% YoY+0.6% QoQ	+16.1%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#259 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.56%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.83%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#359 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.56%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Margin Compression

decline

#128 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.83%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 0.99%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

107

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: 0.61%

#107 of 1070 Top 9.9% in 100M-500M tier

137

Loan-to-Member Ratio (LMR)

engagement

Value: $14,375

Peer Median: $9,356

#137 of 1070 Top 12.7% in 100M-500M tier

162

Average Member Relationship (AMR)

engagement

Value: $31,696

Peer Median: $22,931

#162 of 1070 Top 15.0% in 100M-500M tier

180

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.35%

#180 of 1070 Top 16.7% in 100M-500M tier

255

Net Worth Ratio

risk

Value: 13.65%

Peer Median: 11.45%

#255 of 1070 Top 23.7% in 100M-500M tier

264

Loan-to-Share Ratio

balance_sheet

Value: 83.00%

Peer Median: 71.88%

#264 of 1070 Top 24.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1060

First Mortgage Concentration (%)

balance_sheet

Value: 77.01%

Peer Median: 29.47%

#1060 of 1070 Bottom 1.0% in 100M-500M tier

999

Net Interest Margin (NIM)

profitability

Value: 2.70%

Peer Median: 3.62%

#999 of 1070 Bottom 6.7% in 100M-500M tier

992

Share Certificate Concentration (%)

balance_sheet

Value: 40.41%

Peer Median: 23.10%

#992 of 1070 Bottom 7.4% in 100M-500M tier

952

Loan Growth Rate

growth

Value: -4.84%

Peer Median: 2.93%

#952 of 1070 Bottom 11.1% in 100M-500M tier

837

Total Members

engagement

Value: 8,576

Peer Median: 13,200

#837 of 1070 Bottom 21.9% in 100M-500M tier

825

AMR Growth Rate

growth

Value: 0.34%

Peer Median: 3.46%

#825 of 1070 Bottom 23.0% in 100M-500M tier