BlastPoint's Credit Union Scorecard

SHORELINE

Charter #66447 · WI

100M-500M

1024 CUs in 100M-500M nationally 27 in WI

SHORELINE has 8 strengths but faces 5 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
+ Deposit Growth Rate: Top 2.9% in tier
+ Asset Growth Rate: Top 3.8% in tier
+ Net Charge-Off Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Efficiency ratio 12.05% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 8.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
Shares and deposits +14.8% year over year ($130M in shares and deposits).
Membership: 8,064 members, +2.4% vs a year ago.
Delinquency rate 0.38%.
Return on assets 0.56%.
Efficiency ratio 88.78% vs a 76.73% peer average.
Loan-to-share ratio 88.14% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	8,064 +2.4% YoY+0.5% QoQ	-7.1K	15,168 -2.6% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	19%
Assets	$160.0M +13.2% YoY+4.5% QoQ	$-72.0M	$232.0M +0.7% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	34%
Loans	$114.3M +7.4% YoY-0.4% QoQ	$-31.9M	$146.3M +0.2% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	45%
Deposits	$129.7M +14.8% YoY+6.1% QoQ	$-71.0M	$200.7M +0.2% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	30%

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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% -90.2% YoY-4.9% QoQ	-0.3%	0.9% +12.5% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	33%
NIM	3.7% +3.0% YoY+0.4% QoQ	+0.0%	3.7% +4.5% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	53%
Efficiency Ratio	88.8% +114.4% YoY+1.8% QoQ	+12.0%	76.7% -0.8% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	Bottom 14.5% in tier
Delinquency Rate	0.4% -15.4% YoY-14.0% QoQ	-0.5	0.9% +6.6% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	26%
Loan To Share	88.1% -6.4% YoY-6.1% QoQ	+16.6%	71.5% -0.3% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	82%
AMR	$30,265 +8.6% YoY+2.4% QoQ	+$5K	$25,107 +3.2% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	81%
CD Concentration	21.5% +24.3% YoY+3.6% QoQ	-3.1%	24.6%	21.6%	20.0%	50%
Indirect Auto %	2.4% -3.5% YoY-6.0% QoQ	-11.3%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#57 of 262 • 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): 8.59%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#176 of 483 • 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): 8.59%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Leader

growth

#178 of 342 • 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): 2.44%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 2.36%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#267 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.44%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.56%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 2.36%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Emerging Performer

growth

#160 of 175 • 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: 0.56%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 2.44%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Concerns (2)

Cost Spiral

risk

#5 of 95 • 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: 47.38% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 41.40%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Efficiency Drag

risk

#360 of 531 • 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: 88.78%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -5.18% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 2.44%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (8 metrics)

Deposit Growth Rate

growth

Value: 14.82%

Peer Median: 3.58%

#31 of 1024 Top 2.9% in 100M-500M tier

Asset Growth Rate

growth

Value: 13.24%

Peer Median: 4.12%

#40 of 1024 Top 3.8% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.34%

#85 of 1024 Top 8.2% in 100M-500M tier

136

AMR Growth Rate

growth

Value: 8.59%

Peer Median: 3.53%

#136 of 1024 Top 13.2% in 100M-500M tier

152

Loan-to-Member Ratio (LMR)

engagement

Value: $14,178

Peer Median: $9,434

#152 of 1024 Top 14.7% in 100M-500M tier

181

Loan-to-Share Ratio

balance_sheet

Value: 88.14%

Peer Median: 73.07%

#181 of 1024 Top 17.6% in 100M-500M tier

196

Average Member Relationship (AMR)

engagement

Value: $30,265

Peer Median: $23,006

#196 of 1024 Top 19.0% in 100M-500M tier

243

Member Growth Rate

growth

Value: 2.44%

Peer Median: -0.03%

#243 of 1024 Top 23.6% in 100M-500M tier

Top Weaknesses (4 metrics)

934

Members Per Employee (MPE)

engagement

Value: 217.946

Peer Median: 310.924

#934 of 1024 Bottom 8.9% in 100M-500M tier

916

First Mortgage Concentration (%)

balance_sheet

Value: 53.38%

Peer Median: 29.92%

#916 of 1024 Bottom 10.6% in 100M-500M tier

877

Efficiency Ratio

profitability

Value: 88.78%

Peer Median: 77.26%

#877 of 1024 Bottom 14.5% in 100M-500M tier

834

Total Members

engagement

Value: 8,064

Peer Median: 13,128

#834 of 1024 Bottom 18.7% in 100M-500M tier