BlastPoint's Credit Union Scorecard

HOLY FAMILY MEMORIAL

Charter #66476 · WI

<100M

2508 CUs in <100M nationally 51 in WI

HOLY FAMILY MEMORIAL has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ AMR Growth Rate: Top 9.0% in tier
+ Loan Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- ROA 0.29% below tier average
- Efficiency ratio 14.17% above tier (higher cost structure)
- Member decline: -2.2% YoY
- First Mortgage Concentration (%): Bottom 5.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	1,301 -2.2% YoY-0.9% QoQ	-1.4K	2,676 +1.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	36%
Assets	$19.2M +6.1% YoY+1.9% QoQ	$-11.0M	$30.2M +1.3% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	47%
Loans	$10.7M +10.5% YoY-2.0% QoQ	$-4.6M	$15.3M -2.0% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	54%
Deposits	$17.0M +6.5% YoY+2.4% QoQ	$-8.8M	$25.8M +0.7% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -367.4% YoY-120.3% QoQ	-0.3%	0.1% -77.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	18%
NIM	3.1% +1.3% YoY-2.3% QoQ	-0.9%	4.0% +4.0% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	104.8% +17.6% YoY+26.5% QoQ	+14.2%	90.6% +6.5% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	Bottom 12.7% in tier
Delinquency Rate	0.1%	-1.4	1.5% +3.8% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	21%
Loan To Share	62.7% +3.7% YoY-4.3% QoQ	+4.2%	58.5% -3.0% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	56%
AMR	$21,265 +10.4% YoY+1.6% QoQ	+$6K	$14,884 -1.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	82%
CD Concentration	16.4% +5.6% YoY+11.4% QoQ	-7.9%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

227

AMR Growth Rate

growth

Value: 10.37%

Peer Median: 1.27%

#227 of 2508 Top 9.0% in <100M tier

239

Loan Growth Rate

growth

Value: 10.45%

Peer Median: -2.36%

#239 of 2508 Top 9.5% in <100M tier

411

Loan-to-Member Ratio (LMR)

engagement

Value: $8,193

Peer Median: $4,923

#411 of 2508 Top 16.3% in <100M tier

442

Deposit Growth Rate

growth

Value: 6.46%

Peer Median: 0.66%

#442 of 2508 Top 17.6% in <100M tier

450

Average Member Relationship (AMR)

engagement

Value: $21,265

Peer Median: $13,926

#450 of 2508 Top 17.9% in <100M tier

476

Asset Growth Rate

growth

Value: 6.08%

Peer Median: 1.30%

#476 of 2508 Top 18.9% in <100M tier

524

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.65%

#524 of 2508 Top 20.9% in <100M tier

Top Weaknesses (5 metrics)

2363

First Mortgage Concentration (%)

balance_sheet

Value: 55.81%

Peer Median: 3.66%

#2363 of 2508 Bottom 5.8% in <100M tier

2191

Efficiency Ratio

profitability

Value: 104.80%

Peer Median: 81.45%

#2191 of 2508 Bottom 12.7% in <100M tier

2163

Members Per Employee (MPE)

engagement

Value: 185.857

Peer Median: 333.750

#2163 of 2508 Bottom 13.8% in <100M tier

2045

Return on Assets (ROA)

profitability

Value: -0.14%

Peer Median: 0.61%

#2045 of 2508 Bottom 18.5% in <100M tier

1950

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: 3.83%

#1950 of 2508 Bottom 22.3% in <100M tier