BlastPoint's Credit Union Scorecard

FOCUS

Charter #66451 · WI

<100M

2508 CUs in <100M nationally 51 in WI

FOCUS has 5 strengths but faces 2 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

+ ROA 1.17% above tier average
+ Net Interest Margin 0.76% above tier average
+ Total Loans: Top 6.6% in tier
+ Total Members: Top 7.0% in tier
+ Loan-to-Share Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.8% YoY
- Indirect Auto Concentration (%): Bottom 2.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	6,438 -2.8% YoY-0.8% QoQ	+3.8K	2,676 +1.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Top 7.0% in tier
Assets	$61.3M +1.9% YoY+1.2% QoQ	+$31.1M	$30.2M +1.3% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	83%
Loans	$45.7M -2.6% YoY-2.2% QoQ	+$30.4M	$15.3M -2.0% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	Top 6.7% in tier
Deposits	$52.3M -0.5% YoY+1.0% QoQ	+$26.5M	$25.8M +0.7% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	83%

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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	1.3% -22.1% YoY-26.2% QoQ	+1.2%	0.1% -77.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	80%
NIM	4.8% -2.2% YoY-5.4% QoQ	+0.8%	4.0% +4.0% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	72.9% +7.2% YoY+11.1% QoQ	-17.7%	90.6% +6.5% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	30%
Delinquency Rate	0.3% -63.0% YoY-36.5% QoQ	-1.2	1.5% +3.8% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	35%
Loan To Share	87.4% -2.1% YoY-3.2% QoQ	+28.8%	58.5% -3.0% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 10.0% in tier
AMR	$15,214 +1.3% YoY+0.3% QoQ	+$330	$14,884 -1.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	57%
CD Concentration	12.7% -1.6% YoY-5.1% QoQ	-11.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	43.0% -1.1% YoY+0.0% QoQ	+29.2%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (9 metrics)

167

Total Loans

balance_sheet

Value: $45.67M

Peer Median: $9.48M

#167 of 2508 Top 6.6% in <100M tier

176

Total Members

engagement

Value: 6,438

Peer Median: 1,918

#176 of 2508 Top 7.0% in <100M tier

249

Loan-to-Share Ratio

balance_sheet

Value: 87.35%

Peer Median: 58.72%

#249 of 2508 Top 9.9% in <100M tier

370

Members Per Employee (MPE)

engagement

Value: 495.231

Peer Median: 333.750

#370 of 2508 Top 14.7% in <100M tier

400

Net Interest Margin (NIM)

profitability

Value: 4.77%

Peer Median: 3.83%

#400 of 2508 Top 15.9% in <100M tier

419

Total Deposits

balance_sheet

Value: $52.28M

Peer Median: $18.77M

#419 of 2508 Top 16.7% in <100M tier

420

Total Assets

balance_sheet

Value: $61.26M

Peer Median: $21.86M

#420 of 2508 Top 16.7% in <100M tier

496

Return on Assets (ROA)

profitability

Value: 1.32%

Peer Median: 0.61%

#496 of 2508 Top 19.7% in <100M tier

605

Loan-to-Member Ratio (LMR)

engagement

Value: $7,094

Peer Median: $4,923

#605 of 2508 Top 24.1% in <100M tier

Top Weaknesses (1 metrics)

2455

Indirect Auto Concentration (%)

balance_sheet

Value: 43.03%

Peer Median: 0.00%

#2455 of 2508 Bottom 2.2% in <100M tier