BlastPoint's Credit Union Scorecard

PRIME FINANCIAL

Charter #66449 · WI

1069 CUs in 100M-500M nationally 26 in WI

PRIME FINANCIAL has 2 strengths but faces 10 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 1.52% above tier average
+ Loan-to-Share Ratio: Top 5.3% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 38.2% in tier
- Indirect Auto Dependency: Bottom 55.5% in tier
- Liquidity Strain: Bottom 64.3% in tier
- Membership Headwinds: Bottom 67.3% in tier
- Efficiency Drag: Bottom 75.0% in tier
- Institutional Decline: Bottom 88.3% in tier
- ROA 0.43% below tier average
- Efficiency ratio 6.26% above tier (higher cost structure)
- Delinquency rate 0.48% above tier average
- Net Charge-Off Rate: Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	16,147 -1.8% YoY-1.1% QoQ	+709	15,437 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	62%
Assets	$159.5M +3.5% YoY-0.7% QoQ	$-72.4M	$231.9M +1.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	34%
Loans	$130.5M -2.2% YoY+1.4% QoQ	$-16.8M	$147.3M -0.1% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	54%
Deposits	$135.4M +3.6% YoY-0.8% QoQ	$-65.4M	$200.8M +0.8% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -59.6% YoY-57.1% QoQ	-0.4%	0.8% +18.2% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	20%
NIM	5.1% +4.1% YoY+1.5% QoQ	+1.5%	3.6% +6.7% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	Top 2.1% in tier
Efficiency Ratio	83.3% +10.9% YoY+5.9% QoQ	+6.3%	77.0% -3.1% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	1.4% -28.0% YoY-13.9% QoQ	+0.5	0.9% +4.2% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	82%
Loan To Share	96.4% -5.6% YoY+2.3% QoQ	+24.2%	72.2% -1.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	Top 5.4% in tier
AMR	$16,468 +2.5% YoY+1.4% QoQ	$-8K	$24,676 +3.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	Bottom 14.5% in tier
CD Concentration	11.7% +3.9% YoY+3.8% QoQ	-12.7%	24.4%	21.5%	19.8%	50%
Indirect Auto %	26.5% -14.9% YoY-7.2% QoQ	+12.7%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#212 of 554 • Bottom 38.2% 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): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.21%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.38%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#281 of 506 • Bottom 55.5% in tier

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

Why This Signature

Asset Growth (YoY): 3.45%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 26.52%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Liquidity Strain

risk

#147 of 228 • Bottom 64.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.45%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.21%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Membership Headwinds

decline

#373 of 554 • Bottom 67.3% in tier

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

Why This Signature

Member Growth (YoY): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#404 of 538 • Bottom 75.0% in tier

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

Why This Signature

Efficiency Ratio: 83.28%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.49% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Institutional Decline

decline

#212 of 240 • Bottom 88.3% in tier

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

Why This Signature

Total Assets: $159.46M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.81%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.21%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | 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 1069 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.12%

Peer Median: -

#22 of 1069 Top 2.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.45%

Peer Median: -

#58 of 1069 Top 5.3% in 100M-500M tier

142

Share Certificate Concentration (%)

balance_sheet

Value: 11.75%

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

Top Weaknesses (9 metrics)

973

Net Charge-Off Rate

risk

Value: 1.11%

Peer Median: -

#973 of 1069 Bottom 9.1% in 100M-500M tier

914

Average Member Relationship (AMR)

engagement

Value: $16,468

Peer Median: -

#914 of 1069 Bottom 14.6% in 100M-500M tier

883

Total Delinquency Rate (60+ days)

risk

Value: 1.38%

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

858

Indirect Auto Concentration (%)

balance_sheet

Value: 26.52%

Peer Median: -

#858 of 1069 Bottom 19.8% in 100M-500M tier

856

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier

830

Loan Growth Rate

growth

Value: -2.21%

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier

805

Net Worth Ratio

risk

Value: 9.84%

Peer Median: -

#805 of 1069 Bottom 24.8% in 100M-500M tier

805

Members Per Employee (MPE)

engagement

Value: 264.705

Peer Median: -

#805 of 1069 Bottom 24.8% in 100M-500M tier

804

First Mortgage Concentration (%)

balance_sheet

Value: 42.08%

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier