BlastPoint's Credit Union Scorecard
PUBLIC SERVICE
Charter #66461 · WI
<100M
2508 CUs in <100M nationally
51 in WI
PUBLIC SERVICE has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 1.4% in tier
- + Loan Growth Rate: Top 2.2% in tier
- + Loan-to-Share Ratio: Top 2.4% in tier
- + Deposit Growth Rate: Top 5.8% in tier
- + Loan-to-Member Ratio (LMR): Top 5.9% in tier
- + Asset Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 6.93% above tier (higher cost structure)
- - Member decline: -9.0% YoY
- - First Mortgage Concentration (%): Bottom 5.5% in tier
- - Member Growth Rate: Bottom 7.1% in tier
- - Share Certificate Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
988
-9.0% YoY-1.0% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$13.2M
+8.9% YoY+2.1% QoQ
|
$-17.0M |
$30.2M
+1.3% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$10.8M
+26.8% YoY+2.3% QoQ
|
$-4.4M |
$15.3M
-2.0% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$10.5M
+12.2% YoY+2.6% QoQ
|
$-15.3M |
$25.8M
+0.7% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
0.0%
-52.3% YoY-106.6% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
3.1%
-2.6% YoY+0.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
97.6%
-6.1% YoY-15.4% QoQ
|
+6.9% |
90.6%
+6.5% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
0.0%
-82.2% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
103.5%
+13.0% YoY-0.3% QoQ
|
+45.0% |
58.5%
-3.0% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 2.5% in tier |
| AMR |
$21,560
+31.0% YoY+3.5% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
36.8%
+46.1% YoY+6.1% QoQ
|
+12.6% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
35
AMR Growth Rate
growth
Value:
31.00%
Peer Median: 1.27%
#35 of 2508
Top 1.4% in <100M tier
55
Loan Growth Rate
growth
Value:
26.78%
Peer Median: -2.36%
#55 of 2508
Top 2.2% in <100M tier
61
Loan-to-Share Ratio
balance_sheet
Value:
103.51%
Peer Median: 58.72%
#61 of 2508
Top 2.4% in <100M tier
147
Deposit Growth Rate
growth
Value:
12.21%
Peer Median: 0.66%
#147 of 2508
Top 5.8% in <100M tier
148
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,966
Peer Median: $4,923
#148 of 2508
Top 5.9% in <100M tier
235
Asset Growth Rate
growth
Value:
8.89%
Peer Median: 1.30%
#235 of 2508
Top 9.3% in <100M tier
427
Average Member Relationship (AMR)
engagement
Value:
$21,560
Peer Median: $13,926
#427 of 2508
Top 17.0% in <100M tier
432
Total Delinquency Rate (60+ days)
risk
Value:
0.05%
Peer Median: 0.65%
#432 of 2508
Top 17.2% in <100M tier
502
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Median: 0.07%
#502 of 2508
Top 20.0% in <100M tier
Top Weaknesses (6 metrics)
2371
First Mortgage Concentration (%)
balance_sheet
Value:
56.69%
Peer Median: 3.66%
#2371 of 2508
Bottom 5.5% in <100M tier
2331
Member Growth Rate
growth
Value:
-9.02%
Peer Median: -1.37%
#2331 of 2508
Bottom 7.1% in <100M tier
2260
Share Certificate Concentration (%)
balance_sheet
Value:
36.84%
Peer Median: 12.45%
#2260 of 2508
Bottom 9.9% in <100M tier
2052
Efficiency Ratio
profitability
Value:
97.57%
Peer Median: 81.45%
#2052 of 2508
Bottom 18.2% in <100M tier
1945
Net Interest Margin (NIM)
profitability
Value:
3.14%
Peer Median: 3.83%
#1945 of 2508
Bottom 22.5% in <100M tier
1942
Return on Assets (ROA)
profitability
Value:
0.03%
Peer Median: 0.61%
#1942 of 2508
Bottom 22.6% in <100M tier