BlastPoint's Credit Union Scorecard
PUBLIC SERVICE
Charter #66461 · WI
PUBLIC SERVICE has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Loan-to-Share Ratio: Top 3.4% in tier
- + Loan Growth Rate: Top 4.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 20.53% above tier (higher cost structure)
- - Member decline: -8.5% YoY
- - First Mortgage Concentration (%): Bottom 6.2% in tier
- - Member Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,007
-8.5% YoY-3.0% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$12.5M
+5.3% YoY+2.3% QoQ
|
$-17.3M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$9.9M
+18.1% YoY+15.3% QoQ
|
$-5.8M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$9.8M
+7.3% YoY+2.9% QoQ
|
$-15.7M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
0.0%
-97.0% YoY-119.3% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
3.2%
-1.4% YoY-2.3% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
101.9%
+18.5% YoY-2.9% QoQ
|
+20.5% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 9.8% in tier |
| Delinquency Rate |
0.6%
-46.9% YoY+35.0% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
45% |
| Loan To Share |
101.5%
+10.0% YoY+12.0% QoQ
|
+40.2% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 3.6% in tier |
| AMR |
$19,572
+23.0% YoY+12.1% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
33.8%
+104.5% YoY+13.6% QoQ
|
+9.4% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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)