BlastPoint's Credit Union Scorecard
SHORELINE
Charter #66447 · WI
SHORELINE has 12 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.3% in tier
- + Emerging Performer: Top 17.7% in tier
- + Relationship Depth Leader: Top 22.5% in tier
- + Wallet Share Momentum: Top 46.1% in tier
- + Organic Growth Leader: Top 47.1% in tier
- + ROA 2.30% above tier average
- + Net Interest Margin 0.08% above tier average
- + Fee Income Per Member: Top 0.2% in tier
- + Asset Growth Rate: Top 2.5% in tier
- + Loan-to-Share Ratio: Top 3.2% in tier
- + Loan Growth Rate: Top 4.0% in tier
- + Efficiency Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.3% in tier
- - Credit Risk Growth: Bottom 7.0% in tier
- - Credit Quality Pressure: Bottom 31.5% in tier
- - Members Per Employee (MPE): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,964
+2.7% YoY+0.6% QoQ
|
-7.5K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$150.8M
+17.4% YoY+3.3% QoQ
|
$-81.0M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$113.4M
+18.9% YoY+1.6% QoQ
|
$-34.0M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$114.9M
+4.2% YoY+0.5% QoQ
|
$-85.9M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
3.1%
+320.0% YoY-24.1% QoQ
|
+2.3% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 0.3% in tier |
| NIM |
3.7%
+2.2% YoY+0.3% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
56.7%
-31.4% YoY+14.0% QoQ
|
-20.3% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate |
0.9%
+61.4% YoY+7.2% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
98.7%
+14.1% YoY+1.1% QoQ
|
+26.4% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 3.3% in tier |
| AMR |
$28,662
+8.1% YoY+0.5% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
19.4%
+12.7% YoY+9.1% QoQ
|
-5.0% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
2.3%
+17.3% YoY-1.7% QoQ
|
-11.5% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)