UNIVERSITY OF WISCONSIN

Charter #66492 | WI

5B-7B (34 CUs) Large (64 CUs)
3 5B-7B in WI

UNIVERSITY OF WISCONSIN has 9 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 8.8% in tier
  • + Emerging Performer: Top 9.2% in tier
  • + Relationship Depth Leader: Top 10.3% in tier
  • + Wallet Share Momentum: Top 11.1% in tier
  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.60% above tier average
  • + Strong member growth: 5.5% YoY
  • + Share Certificate Concentration (%): Top 5.9% in tier
  • + Total Members: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 18.2% in tier
  • - Efficiency ratio 2.32% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 384,480
+5.5% YoY+2.4% QoQ
 +94.8K 289,724
-2.8% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Top 11.8% in tier
Assets $6.2B
+10.0% YoY+1.6% QoQ
 +$379.4M $5.8B
+0.2% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 65th in tier
Loans $4.4B
+11.0% YoY+2.5% QoQ
 +$344.1M $4.1B
-3.1% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 59th in tier
Deposits $5.4B
+11.5% YoY+1.9% QoQ
 +$465.1M $4.9B
+2.2% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 74th in tier
ROA 0.9%
+41.8% YoY+14.3% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 59th in tier
NIM 3.5%
+4.1% YoY+0.4% QoQ
 +0.6% 2.9%
+3.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 Top 20.6% in tier
Efficiency Ratio 70.4%
-9.4% YoY-1.4% QoQ
 +2.3% 68.1%
-1.7% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 65th in tier
Delinquency Rate 0.6%
-4.7% YoY+13.4% QoQ
 -0.0 0.6%
-2.2% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 50th in tier
Loan To Share 82.7%
-0.4% YoY+0.5% QoQ
 -0.9% 83.6%
-5.7% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 35th in tier
AMR $25,437
+5.5% YoY-0.3% QoQ
 $-9K $34,398
+4.0% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Bottom 17.6% in tier
CD Concentration 18.1%
-13.0% YoY-3.2% QoQ
 -10.8% 28.9%
-1.3% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 Bottom 10.9% in tier
Indirect Auto % 21.9%
-3.0% YoY+0.2% QoQ
 +5.3% 16.6%
-10.3% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 64th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#14 of 50 • Top 8.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.48%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 21.86%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Emerging Performer

growth
#9 of 31 • Top 9.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 5.48%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank improving

Relationship Depth Leader

growth
#13 of 46 • Top 10.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.49%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank improving

Wallet Share Momentum

growth
#14 of 46 • Top 11.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.49%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank improving

Concerns (1)

Indirect Auto Dependency

risk
#19 of 33 • Bottom 18.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.98%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 21.86%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.48%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

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 34 peers in tier

Top Strengths (7 metrics)

3
Share Certificate Concentration (%)
balance_sheet
Value: 18.11%
Peer Avg: 30.59%
#3 of 34 Top 5.9% in 5B-7B tier
4
Total Members
engagement
Value: 384,480
Peer Avg: 289,725
#4 of 34 Top 8.8% in 5B-7B tier
6
Member Growth Rate
growth
Value: 5.48%
Peer Avg: 3.26%
#6 of 34 Top 14.7% in 5B-7B tier
7
Net Interest Margin (NIM)
profitability
Value: 3.50%
Peer Avg: 2.90%
#7 of 34 Top 17.6% in 5B-7B tier
7
Asset Growth Rate
growth
Value: 9.98%
Peer Avg: 6.10%
#7 of 34 Top 17.6% in 5B-7B tier
9
Loan Growth Rate
growth
Value: 11.01%
Peer Avg: 5.95%
#9 of 34 Top 23.5% in 5B-7B tier
9
Total Deposits
balance_sheet
Value: $5.35B
Peer Avg: $4.89B
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (2 metrics)

29
Net Worth Ratio
risk
Value: 9.19%
Peer Avg: 10.96%
#29 of 34 Bottom 17.6% in 5B-7B tier
28
Average Member Relationship (AMR)
engagement
Value: $25,437
Peer Avg: $34,398
#28 of 34 Bottom 20.6% in 5B-7B tier