BlastPoint's Credit Union Scorecard
PUBLIC SERVICE
Charter #66461 · WI
PUBLIC SERVICE has 7 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 1.3% in tier
- + Loan Growth Rate: Top 2.3% in tier
- + Loan-to-Share Ratio: Top 2.9% in tier
- + Deposit Growth Rate: Top 6.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 32.77% above tier (higher cost structure)
- - Member decline: -8.8% YoY
- - First Mortgage Concentration (%): Bottom 5.6% in tier
- - Member Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
998
-8.8% YoY-0.9% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$12.9M
+8.9% YoY+2.9% QoQ
|
$-17.3M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$10.6M
+25.3% YoY+6.7% QoQ
|
$-5.2M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$10.2M
+12.4% YoY+4.2% QoQ
|
$-15.5M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
-0.5%
-276.5% YoY-3507.4% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.4% in tier |
| NIM |
3.1%
-4.3% YoY-0.9% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
115.3%
+26.9% YoY+13.2% QoQ
|
+32.8% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.3%
+2481.1% YoY-51.0% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
103.9%
+11.4% YoY+2.3% QoQ
|
+43.2% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 3.0% in tier |
| AMR |
$20,829
+30.0% YoY+6.4% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
34.7%
+76.6% YoY+2.9% QoQ
|
+10.3% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)