BlastPoint's Credit Union Scorecard

GUNDERSEN

Charter #66477 · WI

<100M
2508 CUs in <100M nationally 51 in WI

GUNDERSEN has 6 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.90% above tier average
  • + Loan-to-Member Ratio (LMR): Top 2.9% in tier
  • + Total Loans: Top 4.7% in tier
  • + Average Member Relationship (AMR): Top 5.0% in tier
  • + Loan Growth Rate: Top 6.9% in tier
  • + Loan-to-Share Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Concentration (%): Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 3,677
+1.8% YoY+0.8% QoQ
+1.0K 2,676
+1.6% YoY
39,491
+5.5% YoY
33,913
+5.7% YoY
76%
Assets $65.0M
+5.5% YoY+2.3% QoQ
+$34.9M $30.2M
+1.3% YoY
$762.9M
+12.1% YoY
$578.3M
+9.0% YoY
Top 14.6% in tier
Loans $50.4M
+12.8% YoY+2.9% QoQ
+$35.1M $15.3M
-2.0% YoY
$579.7M
+11.3% YoY
$402.4M
+8.7% YoY
Top 4.8% in tier
Deposits $56.2M
+4.9% YoY+1.8% QoQ
+$30.4M $25.8M
+0.7% YoY
$643.6M
+11.9% YoY
$494.3M
+9.1% YoY
Top 14.6% in tier

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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 1.0%
+1.4% YoY+3.1% QoQ
+0.9% 0.1%
-77.6% YoY
0.3%
+1.8% YoY
0.4%
-39.2% YoY
71%
NIM 3.0%
+8.4% YoY-0.8% QoQ
-1.0% 4.0%
+4.0% YoY
3.4%
+8.2% YoY
3.8%
+4.1% YoY
20%
Efficiency Ratio 73.2%
+6.1% YoY+4.9% QoQ
-17.4% 90.6%
+6.5% YoY
77.2%
-0.5% YoY
84.6%
+2.8% YoY
31%
Delinquency Rate 0.1%
+24.6% YoY-22.1% QoQ
-1.4 1.5%
+3.8% YoY
0.7%
-8.9% YoY
1.2%
+3.4% YoY
22%
Loan To Share 89.8%
+7.6% YoY+1.1% QoQ
+31.3% 58.5%
-3.0% YoY
78.6%
-0.5% YoY
65.6%
-1.4% YoY
Top 8.4% in tier
AMR $28,987
+6.6% YoY+1.6% QoQ
+$14K $14,884
-1.7% YoY
$24,071
+7.1% YoY
$19,920
+1.6% YoY
Top 5.0% in tier
CD Concentration 30.6%
+17.6% YoY+11.3% QoQ
+6.3% 24.3% 21.6% 19.8% 50%
Indirect Auto % 16.5%
+6.1% YoY+2.3% QoQ
+2.7% 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)

Comparing against 2508 peers in tier

Top Strengths (14 metrics)

73
Loan-to-Member Ratio (LMR)
engagement
Value: $13,715
Peer Median: $4,923
#73 of 2508 Top 2.9% in <100M tier
120
Total Loans
balance_sheet
Value: $50.43M
Peer Median: $9.48M
#120 of 2508 Top 4.7% in <100M tier
126
Average Member Relationship (AMR)
engagement
Value: $28,987
Peer Median: $13,926
#126 of 2508 Top 5.0% in <100M tier
173
Loan Growth Rate
growth
Value: 12.84%
Peer Median: -2.36%
#173 of 2508 Top 6.9% in <100M tier
208
Loan-to-Share Ratio
balance_sheet
Value: 89.80%
Peer Median: 58.72%
#208 of 2508 Top 8.3% in <100M tier
365
Total Deposits
balance_sheet
Value: $56.16M
Peer Median: $18.77M
#365 of 2508 Top 14.5% in <100M tier
366
Total Assets
balance_sheet
Value: $65.04M
Peer Median: $21.86M
#366 of 2508 Top 14.6% in <100M tier
455
AMR Growth Rate
growth
Value: 6.61%
Peer Median: 1.27%
#455 of 2508 Top 18.1% in <100M tier
460
Member Growth Rate
growth
Value: 1.77%
Peer Median: -1.37%
#460 of 2508 Top 18.3% in <100M tier
536
Asset Growth Rate
growth
Value: 5.53%
Peer Median: 1.30%
#536 of 2508 Top 21.3% in <100M tier

Top Weaknesses (4 metrics)

2350
Indirect Auto Concentration (%)
balance_sheet
Value: 16.45%
Peer Median: 0.00%
#2350 of 2508 Bottom 6.3% in <100M tier
2237
First Mortgage Concentration (%)
balance_sheet
Value: 44.28%
Peer Median: 3.66%
#2237 of 2508 Bottom 10.8% in <100M tier
2092
Share Certificate Concentration (%)
balance_sheet
Value: 30.59%
Peer Median: 12.45%
#2092 of 2508 Bottom 16.6% in <100M tier
2016
Net Interest Margin (NIM)
profitability
Value: 3.04%
Peer Median: 3.83%
#2016 of 2508 Bottom 19.7% in <100M tier
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