BlastPoint's Credit Union Scorecard
UNIVERSITY OF WISCONSIN
Charter #66492 · WI
UNIVERSITY OF WISCONSIN has 6 strengths but faces 4 concerns
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 24.2% in tier
- + ROA 0.39% above tier average
- + Net Interest Margin 0.35% above tier average
- + Strong member growth: 5.8% YoY
- + Total Deposits: Top 5.4% in tier
- + Share Certificate Concentration (%): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.1% in tier
- - Credit Risk Growth: Bottom 21.9% in tier
- - Credit Quality Pressure: Bottom 57.8% in tier
- - Efficiency ratio 0.26% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
391,476
+5.8% YoY+1.2% QoQ
|
+83.7K |
307,793
+7.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$6.6B
+11.3% YoY+4.9% QoQ
|
+$834.6M |
$5.8B
-0.2% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
Top 13.5% in tier |
| Loans |
$4.6B
+9.7% YoY+1.5% QoQ
|
+$421.6M |
$4.2B
+0.4% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$5.7B
+11.7% YoY+4.4% QoQ
|
+$832.0M |
$4.9B
+0.2% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Top 8.1% in tier |
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| ROA |
1.3%
+79.0% YoY+36.8% QoQ
|
+0.4% |
0.9%
+47.0% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
3.5%
-0.5% YoY-0.6% QoQ
|
+0.3% |
3.2%
+9.8% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
66.8%
-7.3% YoY-5.6% QoQ
|
+0.3% |
66.6%
-11.0% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
0.6%
+1.2% YoY-10.0% QoQ
|
-0.1 |
0.7%
+23.3% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
79.9%
-1.8% YoY-2.8% QoQ
|
-4.8% |
84.7%
-0.7% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$26,321
+4.7% YoY+1.9% QoQ
|
$-6K |
$32,237
-7.3% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
17.7%
-5.9% YoY+0.3% QoQ
|
-10.9% | 28.6% | 21.6% | 19.8% | Bottom 9.1% in tier |
| Indirect Auto % |
21.0%
-5.1% YoY-2.3% QoQ
|
+4.6% | 16.4% | 8.0% | 7.7% | 62% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)