BlastPoint's Credit Union Scorecard
UNIVERSITY OF WISCONSIN
Charter #66492 · WI
UNIVERSITY OF WISCONSIN has 7 strengths but faces 2 concerns
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.3% in tier
- + Emerging Performer: Top 36.8% in tier
- + Wallet Share Momentum: Top 84.2% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.48% above tier average
- + Strong member growth: 5.7% YoY
- + Share Certificate Concentration (%): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 38.2% in tier
- - Efficiency ratio 3.50% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
386,994
+5.7% YoY+0.7% QoQ
|
+94.7K |
292,342
-2.4% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 14.3% in tier |
| Assets |
$6.3B
+11.4% YoY+2.0% QoQ
|
+$550.4M |
$5.7B
-0.2% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$4.5B
+9.8% YoY+1.9% QoQ
|
+$344.6M |
$4.2B
-1.6% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$5.5B
+12.8% YoY+2.5% QoQ
|
+$638.3M |
$4.8B
+0.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.9%
+62.2% YoY+1.7% QoQ
|
+0.1% |
0.8%
+27.9% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
3.5%
+2.3% YoY+0.5% QoQ
|
+0.5% |
3.0%
+8.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
70.8%
-6.6% YoY+0.5% QoQ
|
+3.5% |
67.3%
-3.7% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.6%
-7.7% YoY+0.2% QoQ
|
-0.2 |
0.8%
+17.5% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
82.2%
-2.7% YoY-0.6% QoQ
|
-3.7% |
85.9%
-2.6% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$25,829
+5.5% YoY+1.5% QoQ
|
$-8K |
$34,289
+3.5% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
17.7%
-13.2% YoY-2.4% QoQ
|
-11.5% | 29.1% | 21.5% | 19.8% | Bottom 10.4% in tier |
| Indirect Auto % |
21.5%
-4.0% YoY-1.9% QoQ
|
+4.4% | 17.1% | 8.0% | 7.8% | 63% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)