BlastPoint's Credit Union Scorecard
WINNEBAGO COMMUNITY
Charter #66437 · WI
WINNEBAGO COMMUNITY has 9 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 1.6% in tier
- + Wallet Share Momentum: Top 3.3% in tier
- + Credit Quality Leader: Top 64.0% in tier
- + Profitability Leader: Top 92.3% in tier
- + ROA 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 5.6% in tier
- + Average Member Relationship (AMR): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.0% in tier
- - Membership Headwinds: Bottom 0.7% in tier
- - Institutional Decline: Bottom 10.5% in tier
- - Member decline: -15.9% YoY
- - First Mortgage Concentration (%): Bottom 1.1% in tier
- - Member Growth Rate: Bottom 1.4% in tier
- - Members Per Employee (MPE): Bottom 6.6% in tier
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,212
-15.9% YoY-15.4% QoQ
|
-8.4K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 11.6% in tier |
| Assets |
$167.0M
+6.6% YoY+0.6% QoQ
|
$-64.3M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$126.8M
-2.6% YoY-1.2% QoQ
|
$-21.0M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$143.2M
+6.4% YoY+0.6% QoQ
|
$-57.1M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
37% |
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| ROA |
1.1%
+16.7% YoY+0.7% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
75% |
| NIM |
2.8%
+5.9% YoY+1.6% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio |
66.7%
-6.1% YoY-0.9% QoQ
|
-10.6% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.3%
-20.3% YoY+8.9% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
88.5%
-8.4% YoY-1.8% QoQ
|
+15.8% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$37,433
+21.2% YoY+17.9% QoQ
|
+$13K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 7.1% in tier |
| CD Concentration |
39.1%
+7.6% YoY+2.7% QoQ
|
+14.7% |
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)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)