BlastPoint's Credit Union Scorecard

PRIME FINANCIAL

Charter #66449 · WI

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

PRIME FINANCIAL has 2 strengths but faces 9 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 1.46% above tier average
+ Loan-to-Share Ratio: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 7.3% in tier
- Liquidity Strain: Bottom 24.2% in tier
- Stagnation Risk: Bottom 28.9% in tier
- Membership Headwinds: Bottom 29.2% in tier
- Institutional Decline: Bottom 31.8% in tier
- ROA 0.01% below tier average
- Efficiency ratio 1.37% above tier (higher cost structure)
- Delinquency rate 0.74% above tier average
- Net Charge-Off Rate: Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	16,329 -0.9% YoY-0.8% QoQ	+700	15,628 -3.4% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	62%
Assets	$160.5M +6.6% YoY+0.7% QoQ	$-70.8M	$231.3M -0.0% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	35%
Loans	$128.7M -1.4% YoY-0.7% QoQ	$-19.1M	$147.8M -1.4% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	52%
Deposits	$136.5M +2.7% YoY+1.0% QoQ	$-63.8M	$200.3M -0.0% YoY	$603.1M +13.2% YoY	$464.6M +9.3% 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	0.8% +5.9% YoY+3.5% QoQ	-0.0%	0.8% +15.5% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	52%
NIM	5.0% +4.0% YoY+0.5% QoQ	+1.5%	3.6% +6.9% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	Top 2.4% in tier
Efficiency Ratio	78.6% +3.9% YoY-0.4% QoQ	+1.4%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	56%
Delinquency Rate	1.6% -5.1% YoY+5.4% QoQ	+0.7	0.9% +7.6% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	Top 12.6% in tier
Loan To Share	94.3% -4.0% YoY-1.7% QoQ	+21.6%	72.7% -1.5% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	Top 8.5% in tier
AMR	$16,238 +1.6% YoY+1.0% QoQ	$-8K	$24,363 +2.9% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	Bottom 14.5% in tier
CD Concentration	11.3% -3.6% YoY+2.4% QoQ	-13.1%	24.4% +4.2% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	28.6% -11.5% YoY-1.8% QoQ	+14.6%	14.0% -5.7% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#118 of 525 • Bottom 7.3% in tier

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

Why This Signature

Asset Growth (YoY): 6.58%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 28.57%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.93%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk

#188 of 258 • Bottom 24.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.32%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -1.39%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Stagnation Risk

risk

#477 of 550 • Bottom 28.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.93%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.39%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.60%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#482 of 550 • Bottom 29.2% in tier

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

Why This Signature

Member Growth (YoY): -0.93%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#251 of 256 • Bottom 31.8% in tier

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

Why This Signature

Total Assets: $160.54M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -0.93%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.39%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 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 1077 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.04%

Peer Avg: -

#26 of 1077 Top 2.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.32%

Peer Avg: -

#92 of 1077 Top 8.4% in 100M-500M tier

137

Share Certificate Concentration (%)

balance_sheet

Value: 11.31%

Peer Avg: -

#137 of 1077 Top 12.6% in 100M-500M tier

Top Weaknesses (5 metrics)

997

Net Charge-Off Rate

risk

Value: 1.12%

Peer Avg: -

#997 of 1077 Bottom 7.5% in 100M-500M tier

942

Total Delinquency Rate (60+ days)

risk

Value: 1.60%

Peer Avg: -

#942 of 1077 Bottom 12.6% in 100M-500M tier

921

Average Member Relationship (AMR)

engagement

Value: $16,238

Peer Avg: -

#921 of 1077 Bottom 14.6% in 100M-500M tier

881

Indirect Auto Concentration (%)

balance_sheet

Value: 28.57%

Peer Avg: -

#881 of 1077 Bottom 18.3% in 100M-500M tier

842

Members Per Employee (MPE)

engagement

Value: 259.190

Peer Avg: -

#842 of 1077 Bottom 21.9% in 100M-500M tier