BlastPoint's Credit Union Scorecard

GUNDERSEN

Charter #66477 · WI

<100M
2437 CUs in <100M nationally 49 in WI

GUNDERSEN has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Strong member growth: 33.1% YoY
  • + Asset Growth Rate: Top 0.4% in tier
  • + Deposit Growth Rate: Top 0.5% in tier
  • + Total Loans: Top 0.8% in tier
  • + Member Growth Rate: Top 1.2% in tier
  • + Loan Growth Rate: Top 1.4% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.8% in tier
  • + Total Assets: Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.54% below tier average
  • - Indirect Auto Concentration (%): Bottom 7.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
  • Shares and deposits +36.8% year over year ($73.0M in shares and deposits).
  • Membership: 4,828 members, +33.1% vs a year ago.
  • Delinquency rate 0.07%.
  • Return on assets 0.96%.
  • Efficiency ratio 77.49% vs a 88.77% peer average.
  • Loan-to-share ratio 90.95% vs a 58.89% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 4,828
+33.1% YoY+31.3% QoQ
+2.2K 2,585
-1.7% YoY
40,085
+5.1% YoY
34,678
+6.6% YoY
Top 14.6% in tier
Assets $85.3M
+38.9% YoY+31.1% QoQ
+$55.0M $30.3M
+1.5% YoY
$782.0M
+12.1% YoY
$593.1M
+10.2% YoY
Top 5.5% in tier
Loans $66.4M
+38.9% YoY+31.6% QoQ
+$50.9M $15.5M
-1.7% YoY
$600.2M
+11.1% YoY
$418.6M
+10.1% YoY
Top 0.8% in tier
Deposits $73.0M
+36.8% YoY+29.9% QoQ
+$47.2M $25.8M
+1.1% YoY
$658.6M
+12.2% YoY
$504.8M
+10.3% YoY
Top 5.9% 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%
-4.2% YoY-8.9% QoQ
-0.5% 1.5%
+241.5% YoY
1.0%
+81.4% YoY
1.2%
+121.4% YoY
58%
NIM 3.2%
+11.2% YoY+6.9% QoQ
-0.7% 3.9%
+0.9% YoY
3.7%
+9.7% YoY
3.8%
+2.3% YoY
25%
Efficiency Ratio 77.5%
+9.4% YoY+5.9% QoQ
-11.3% 88.8%
-6.9% YoY
75.5%
-0.0% YoY
83.0%
-5.3% YoY
42%
Delinquency Rate 0.1%
-38.6% YoY-33.0% QoQ
-1.5 1.5%
+2.1% YoY
0.8%
-17.5% YoY
1.3%
+2.6% YoY
18%
Loan To Share 91.0%
+1.5% YoY+1.3% QoQ
+32.1% 58.9%
-3.1% YoY
79.3%
-0.8% YoY
66.4%
-1.4% YoY
Top 8.2% in tier
AMR $28,855
+3.5% YoY-0.5% QoQ
+$14K $14,963
-6.8% YoY
$24,272
+7.8% YoY
$20,028
-0.9% YoY
Top 5.5% in tier
CD Concentration 27.2%
-0.3% YoY-11.2% QoQ
+2.6% 24.6% 21.6% 20.0% 50%
Indirect Auto % 12.2%
-19.3% YoY-25.8% QoQ
-1.4% 13.6% 8.4% 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 2437 peers in tier

Top Strengths (12 metrics)

11
Asset Growth Rate
growth
Value: 38.95%
Peer Median: 1.25%
#11 of 2437 Top 0.4% in <100M tier
12
Deposit Growth Rate
growth
Value: 36.81%
Peer Median: 0.92%
#12 of 2437 Top 0.5% in <100M tier
20
Total Loans
balance_sheet
Value: $66.36M
Peer Median: $9.49M
#20 of 2437 Top 0.8% in <100M tier
30
Member Growth Rate
growth
Value: 33.11%
Peer Median: -1.37%
#30 of 2437 Top 1.2% in <100M tier
35
Loan Growth Rate
growth
Value: 38.88%
Peer Median: -2.63%
#35 of 2437 Top 1.4% in <100M tier
70
Loan-to-Member Ratio (LMR)
engagement
Value: $13,744
Peer Median: $4,937
#70 of 2437 Top 2.8% in <100M tier
133
Total Assets
balance_sheet
Value: $85.30M
Peer Median: $21.91M
#133 of 2437 Top 5.4% in <100M tier
133
Average Member Relationship (AMR)
engagement
Value: $28,855
Peer Median: $13,967
#133 of 2437 Top 5.4% in <100M tier
145
Total Deposits
balance_sheet
Value: $72.96M
Peer Median: $18.69M
#145 of 2437 Top 5.9% in <100M tier
199
Loan-to-Share Ratio
balance_sheet
Value: 90.95%
Peer Median: 58.67%
#199 of 2437 Top 8.1% in <100M tier

Top Weaknesses (4 metrics)

2251
Indirect Auto Concentration (%)
balance_sheet
Value: 12.21%
Peer Median: 0.00%
#2251 of 2437 Bottom 7.7% in <100M tier
2179
First Mortgage Concentration (%)
balance_sheet
Value: 44.57%
Peer Median: 3.59%
#2179 of 2437 Bottom 10.6% in <100M tier
1903
Share Certificate Concentration (%)
balance_sheet
Value: 27.17%
Peer Median: 12.77%
#1903 of 2437 Bottom 22.0% in <100M tier
1831
Net Interest Margin (NIM)
profitability
Value: 3.24%
Peer Median: 3.87%
#1831 of 2437 Bottom 24.9% in <100M tier
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