BlastPoint's Credit Union Scorecard

SHORELINE

Charter #66447 · WI

1077 CUs in 100M-500M nationally 27 in WI

SHORELINE has 13 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

+ Profitability Leader: Top 0.0% in tier
+ Organic Growth Engine: Top 2.9% in tier
+ Emerging Performer: Top 9.5% in tier
+ Organic Growth Leader: Top 13.4% in tier
+ Relationship Depth Leader: Top 27.0% in tier
+ Wallet Share Momentum: Top 57.1% in tier
+ ROA 3.25% above tier average
+ Net Interest Margin 0.09% above tier average
+ Fee Income Per Member: Top 0.2% in tier
+ Efficiency Ratio: Top 2.0% in tier
+ Asset Growth Rate: Top 3.7% in tier
+ Loan-to-Share Ratio: Top 5.1% in tier
+ Loan Growth Rate: Top 5.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.6% in tier
- Liquidity Strain: Bottom 4.0% in tier
- Credit Quality Pressure: Bottom 11.2% in tier
- Members Per Employee (MPE): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	7,917 +3.0% YoY+0.6% QoQ	-7.7K	15,628 -3.4% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	16%
Assets	$146.0M +14.3% YoY+3.3% QoQ	$-85.3M	$231.3M -0.0% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	29%
Loans	$111.5M +17.4% YoY+4.8% QoQ	$-36.3M	$147.8M -1.4% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	43%
Deposits	$114.3M +4.1% YoY+1.2% QoQ	$-86.0M	$200.3M -0.0% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	21%

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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	4.0% +547.6% YoY-29.6% QoQ	+3.3%	0.8% +15.5% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	Top 0.1% in tier
NIM	3.7% +5.5% YoY+1.7% QoQ	+0.1%	3.6% +6.9% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	55%
Efficiency Ratio	49.8% -40.8% YoY+20.2% QoQ	-27.5%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	Bottom 2.0% in tier
Delinquency Rate	0.8% +53.3% YoY+82.2% QoQ	-0.0	0.9% +7.6% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	61%
Loan To Share	97.6% +12.8% YoY+3.6% QoQ	+24.9%	72.7% -1.5% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	Top 5.2% in tier
AMR	$28,528 +7.1% YoY+2.4% QoQ	+$4K	$24,363 +2.9% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	79%
CD Concentration	17.8% +8.0% YoY+2.8% QoQ	-6.6%	24.4% +4.2% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.3% +48.3% YoY-5.2% QoQ	-11.7%	14.0% -5.7% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Profitability Leader

growth

#1 of 340 • Top 0.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 4.04%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 3.42% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Organic Growth Engine

growth

#54 of 603 • Top 2.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.99%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 4.04%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 2.32%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#19 of 191 • Top 9.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 4.04%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.99%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Organic Growth Leader

growth

#177 of 430 • Top 13.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.99%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 2.32%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth

#70 of 257 • Top 27.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.06%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#275 of 481 • Top 57.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.06%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#40 of 446 • Bottom 2.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 17.39%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk

#32 of 258 • Bottom 4.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.58%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 17.39%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Quality Pressure

risk

#277 of 736 • Bottom 11.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (11 metrics)

Return on Assets (ROA)

profitability

Value: 4.04%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $835.79

Peer Avg: -

#3 of 1077 Top 0.2% in 100M-500M tier

Efficiency Ratio

profitability

Value: 49.75%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.30%

Peer Avg: -

#41 of 1077 Top 3.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.58%

Peer Avg: -

#56 of 1077 Top 5.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 17.39%

Peer Avg: -

#57 of 1077 Top 5.2% in 100M-500M tier

140

Loan-to-Member Ratio (LMR)

engagement

Value: $14,089

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

172

Net Charge-Off Rate

risk

Value: 0.10%

Peer Avg: -

#172 of 1077 Top 15.9% in 100M-500M tier

213

Member Growth Rate

growth

Value: 2.99%

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

217

AMR Growth Rate

growth

Value: 7.06%

Peer Avg: -

#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1021

Members Per Employee (MPE)

engagement

Value: 208.342

Peer Avg: -

#1021 of 1077 Bottom 5.3% in 100M-500M tier

966

First Mortgage Concentration (%)

balance_sheet

Value: 53.59%

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

910

Total Members

engagement

Value: 7,917

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

854

Total Deposits

balance_sheet

Value: $114.31M

Peer Avg: -

#854 of 1077 Bottom 20.8% in 100M-500M tier