BlastPoint's Credit Union Scorecard
FOCUS
Charter #66451 · WI
FOCUS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + Total Loans: Top 7.0% in tier
- + Total Members: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Member decline: -2.2% YoY
- - Indirect Auto Concentration (%): Bottom 2.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
- Shares and deposits -0.5% year over year ($52.5M in shares and deposits).
- Membership: 6,437 members, -2.2% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 1.35%.
- Efficiency ratio 72.25% vs a 88.77% peer average.
- Loan-to-share ratio 87.50% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,437
-2.2% YoY-0.0% QoQ
|
+3.9K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Top 7.1% in tier |
| Assets |
$61.7M
+1.3% YoY+0.7% QoQ
|
+$31.4M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$45.9M
-0.4% YoY+0.6% QoQ
|
+$30.5M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Top 7.0% in tier |
| Deposits |
$52.5M
-0.5% YoY+0.4% QoQ
|
+$26.7M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.3%
-26.1% YoY+2.4% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
4.7%
-4.7% YoY-1.4% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
72.2%
+9.7% YoY-0.9% QoQ
|
-16.5% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.5%
-32.5% YoY+63.5% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
41% |
| Loan To Share |
87.5%
+0.1% YoY+0.2% QoQ
|
+28.6% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 11.4% in tier |
| AMR |
$15,291
+1.8% YoY+0.5% QoQ
|
+$328 |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
13.2%
-2.7% YoY+3.5% QoQ
|
-11.4% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
43.6%
+2.1% YoY+1.4% QoQ
|
+30.0% | 13.6% | 8.4% | 7.7% | 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)