BlastPoint's Credit Union Scorecard

SHORELINE

Charter #66447 · WI

100M-500M

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

SHORELINE has 8 strengths but faces 7 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.08% above tier average
+ Loan Growth Rate: Top 4.3% in tier
+ Loan-to-Share Ratio: Top 5.2% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.14% below tier average
- Efficiency ratio 9.20% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	8,023 +2.8% YoY+0.7% QoQ	-7.1K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	18%
Assets	$153.1M +10.0% YoY+1.5% QoQ	$-78.6M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	32%
Loans	$114.8M +18.2% YoY+1.3% QoQ	$-29.4M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	46%
Deposits	$122.3M +8.7% YoY+6.5% QoQ	$-78.8M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	26%

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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	0.6% -94.9% YoY-80.8% QoQ	-0.1%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	42%
NIM	3.7% +3.7% YoY+0.7% QoQ	+0.1%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	87.2% +233.5% YoY+53.8% QoQ	+9.2%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	0.4% +145.7% YoY-49.6% QoQ	-0.3	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	36%
Loan To Share	93.8% +8.7% YoY-4.9% QoQ	+23.4%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 5.3% in tier
AMR	$29,553 +10.0% YoY+3.1% QoQ	+$5K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	80%
CD Concentration	20.7% +23.8% YoY+6.9% QoQ	-3.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	2.5% +13.0% YoY+10.2% QoQ	-11.3%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#34 of 257 • Top 50.0% 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): 9.98%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#124 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 9.98%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#168 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): 2.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 2.51%

(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

Organic Growth Engine

growth

#250 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.59%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 2.51%

(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

Emerging Performer

growth

#144 of 157 • Top 50.0% 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: 0.59%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.83%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (5)

Cost Spiral

risk

#5 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 61.07% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 24.91%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Risk Growth

risk

#45 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 18.18%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Strain

risk

#41 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.84%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 18.18%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#266 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#478 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.22%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -11.07% points

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

worse than tier avg

Member Growth (YoY): 2.83%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | 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 (9 metrics)

Loan Growth Rate

growth

Value: 18.18%

Peer Median: 2.93%

#47 of 1070 Top 4.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.84%

Peer Median: 71.88%

#57 of 1070 Top 5.2% in 100M-500M tier

100

AMR Growth Rate

growth

Value: 9.98%

Peer Median: 3.46%

#100 of 1070 Top 9.3% in 100M-500M tier

109

Asset Growth Rate

growth

Value: 9.96%

Peer Median: 3.91%

#109 of 1070 Top 10.1% in 100M-500M tier

140

Loan-to-Member Ratio (LMR)

engagement

Value: $14,307

Peer Median: $9,356

#140 of 1070 Top 13.0% in 100M-500M tier

145

Deposit Growth Rate

growth

Value: 8.71%

Peer Median: 3.30%

#145 of 1070 Top 13.5% in 100M-500M tier

145

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.35%

#145 of 1070 Top 13.5% in 100M-500M tier

218

Average Member Relationship (AMR)

engagement

Value: $29,553

Peer Median: $22,931

#218 of 1070 Top 20.3% in 100M-500M tier

229

Member Growth Rate

growth

Value: 2.83%

Peer Median: -0.06%

#229 of 1070 Top 21.3% in 100M-500M tier

Top Weaknesses (4 metrics)

959

First Mortgage Concentration (%)

balance_sheet

Value: 53.38%

Peer Median: 29.47%

#959 of 1070 Bottom 10.5% in 100M-500M tier

919

Members Per Employee (MPE)

engagement

Value: 235.971

Peer Median: 309.176

#919 of 1070 Bottom 14.2% in 100M-500M tier

878

Total Members

engagement

Value: 8,023

Peer Median: 13,200

#878 of 1070 Bottom 18.0% in 100M-500M tier

836

Efficiency Ratio

profitability

Value: 87.22%

Peer Median: 78.68%

#836 of 1070 Bottom 22.0% in 100M-500M tier