BlastPoint's Credit Union Scorecard
FOCUS
Charter #66451 · WI
FOCUS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 1.08% above tier average
- + Total Loans: Top 6.9% in tier
- + Total Members: Top 7.2% in tier
- + Loan-to-Share Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Indirect Auto Concentration (%): Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,491
-2.4% YoY-0.9% QoQ
|
+3.9K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 7.2% in tier |
| Assets |
$60.5M
+1.8% YoY-0.9% QoQ
|
+$30.4M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$46.7M
-0.0% YoY+0.1% QoQ
|
+$30.9M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Top 7.0% in tier |
| Deposits |
$51.8M
-0.4% YoY-1.5% QoQ
|
+$26.1M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
1.8%
-6.2% YoY+1.8% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 10.1% in tier |
| NIM |
5.0%
+1.4% YoY+1.5% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
65.6%
+5.1% YoY-1.1% QoQ
|
-16.9% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.5%
-24.7% YoY-18.9% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
90.2%
+0.3% YoY+1.6% QoQ
|
+29.6% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 9.8% in tier |
| AMR |
$15,168
+2.2% YoY+0.1% QoQ
|
+$385 |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
13.4%
+5.1% YoY-1.8% QoQ
|
-11.0% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
43.0%
-0.4% YoY+0.8% QoQ
|
+29.2% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)