BlastPoint's Credit Union Scorecard

PRIME FINANCIAL

Charter #66449 · WI

100M-500M

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

PRIME FINANCIAL has 2 strengths but faces 8 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

+ Net Interest Margin 1.35% above tier average
+ Loan-to-Share Ratio: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.28% below tier average
- Efficiency ratio 16.10% 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	15,983 -3.0% YoY-1.0% QoQ	+837	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	63%
Assets	$162.0M +1.7% YoY+1.6% QoQ	$-69.7M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	36%
Loans	$128.7M -2.2% YoY-1.4% QoQ	$-15.4M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	54%
Deposits	$137.6M +2.0% YoY+1.6% QoQ	$-63.5M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	34%

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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	0.4% -38.1% YoY+32.5% QoQ	-0.3%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	33%
NIM	5.0% -1.4% YoY-2.7% QoQ	+1.3%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	Top 3.2% in tier
Efficiency Ratio	94.1% +15.3% YoY+13.0% QoQ	+16.1%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	Bottom 7.4% in tier
Delinquency Rate	0.9% -25.5% YoY-34.6% QoQ	+0.1	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	71%
Loan To Share	93.6% -4.1% YoY-3.0% QoQ	+23.1%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 5.6% in tier
AMR	$16,662 +3.0% YoY+1.2% QoQ	$-8K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Bottom 15.0% in tier
CD Concentration	11.9% +7.1% YoY+0.9% QoQ	-12.4%	24.3%	21.6%	19.8%	50%
Indirect Auto %	25.0% -17.0% YoY-5.9% QoQ	+11.2%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#147 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.00%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.18%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.90%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#161 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: 94.12%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.27% points

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

worse than tier avg

Member Growth (YoY): -3.00%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

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

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#267 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.00%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#338 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.69%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 24.96%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.00%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Institutional Decline

decline

#183 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $161.98M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.00%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.18%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Liquidity Strain

risk

#138 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: 93.56%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -2.18%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

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

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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 (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.98%

Peer Median: 3.62%

#34 of 1070 Top 3.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.56%

Peer Median: 71.88%

#60 of 1070 Top 5.5% in 100M-500M tier

145

Share Certificate Concentration (%)

balance_sheet

Value: 11.85%

Peer Median: 23.10%

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

Top Weaknesses (8 metrics)

992

Efficiency Ratio

profitability

Value: 94.12%

Peer Median: 78.68%

#992 of 1070 Bottom 7.4% in 100M-500M tier

919

Net Charge-Off Rate

risk

Value: 0.89%

Peer Median: 0.35%

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

909

Average Member Relationship (AMR)

engagement

Value: $16,662

Peer Median: $22,931

#909 of 1070 Bottom 15.1% in 100M-500M tier

847

Member Growth Rate

growth

Value: -3.00%

Peer Median: -0.06%

#847 of 1070 Bottom 20.9% in 100M-500M tier

845

Indirect Auto Concentration (%)

balance_sheet

Value: 24.96%

Peer Median: 6.61%

#845 of 1070 Bottom 21.1% in 100M-500M tier

844

Loan Growth Rate

growth

Value: -2.18%

Peer Median: 2.93%

#844 of 1070 Bottom 21.2% in 100M-500M tier

839

First Mortgage Concentration (%)

balance_sheet

Value: 43.86%

Peer Median: 29.47%

#839 of 1070 Bottom 21.7% in 100M-500M tier

828

Members Per Employee (MPE)

engagement

Value: 257.790

Peer Median: 309.176

#828 of 1070 Bottom 22.7% in 100M-500M tier