BlastPoint's Credit Union Scorecard
SENTRY
Charter #66439 · WI
SENTRY has 13 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 25.5% in tier
- + Organic Growth Engine: Top 37.7% in tier
- + Wallet Share Momentum: Top 52.7% in tier
- + Organic Growth Leader: Top 57.6% in tier
- + Emerging Performer: Top 80.1% in tier
- + ROA 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.5% in tier
- + Asset Growth Rate: Top 5.8% in tier
- + Share Certificate Concentration (%): Top 8.3% in tier
- + Average Member Relationship (AMR): Top 9.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Loan-to-Member Ratio (LMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.7% in tier
- - Credit Risk Growth: Bottom 35.2% in tier
- - First Mortgage Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,099
+2.2% YoY-0.4% QoQ
|
-8.3K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.3% in tier |
| Assets |
$162.0M
+13.0% YoY+2.2% QoQ
|
$-69.9M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$109.0M
+4.8% YoY+1.9% QoQ
|
$-38.4M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$139.9M
+14.2% YoY+1.9% QoQ
|
$-60.9M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.9%
+263.2% YoY-2.7% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
2.8%
+29.6% YoY+0.8% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio |
67.8%
-23.9% YoY-1.1% QoQ
|
-9.2% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.5%
+307.7% YoY+176.1% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
77.9%
-8.2% YoY+0.0% QoQ
|
+5.7% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$35,049
+7.6% YoY+2.3% QoQ
|
+$10K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 9.4% in tier |
| CD Concentration |
8.6%
+11.1% YoY+0.0% QoQ
|
-15.8% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)