BlastPoint's Credit Union Scorecard
UNIVERSITY OF WISCONSIN
Charter #66492 · WI
UNIVERSITY OF WISCONSIN has 5 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.32% above tier average
- + Strong member growth: 5.7% YoY
- + Total Deposits: Top 7.7% in tier
- + Share Certificate Concentration (%): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.6% in tier
- - Efficiency ratio 2.72% above tier (higher cost structure)
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Wisconsin.
- Shares and deposits +10.7% year over year ($5.82B in shares and deposits).
- Membership: 396,812 members, +5.7% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 1.12%.
- Efficiency ratio 67.90% vs a 65.18% peer average.
- Loan-to-share ratio 81.13% vs a 85.64% 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 |
396,812
+5.7% YoY+1.4% QoQ
|
+85.9K |
310,918
+6.0% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$6.7B
+10.5% YoY+1.7% QoQ
|
+$926.2M |
$5.8B
-1.1% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Top 12.8% in tier |
| Loans |
$4.7B
+9.2% YoY+3.1% QoQ
|
+$518.2M |
$4.2B
-0.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$5.8B
+10.7% YoY+1.5% QoQ
|
+$920.6M |
$4.9B
-1.3% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Top 10.3% in tier |
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| ROA |
1.1%
+41.7% YoY-11.0% QoQ
|
+0.2% |
0.9%
+35.3% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
3.5%
+1.0% YoY+0.6% QoQ
|
+0.3% |
3.2%
+9.5% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
67.9%
-5.0% YoY+1.6% QoQ
|
+2.7% |
65.2%
-9.0% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.5%
-12.6% YoY-14.6% QoQ
|
-0.3 |
0.8%
+23.8% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
81.1%
-1.4% YoY+1.5% QoQ
|
-4.5% |
85.6%
-0.2% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$26,546
+4.1% YoY+0.9% QoQ
|
$-5K |
$32,010
-7.3% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
18.0%
-3.9% YoY+1.5% QoQ
|
-10.3% | 28.3% | 21.6% | 20.0% | Bottom 9.1% in tier |
| Indirect Auto % |
20.9%
-4.0% YoY-0.1% QoQ
|
+4.1% | 16.8% | 8.4% | 7.7% | 59% |
Signature Analysis
Strengths (0)
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)