BlastPoint's Credit Union Scorecard

CENTRAL WISCONSIN

Charter #66513 · WI

<100M

2508 CUs in <100M nationally 51 in WI

CENTRAL WISCONSIN has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.91% above tier average
+ Efficiency Ratio: Top 5.3% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.5% YoY
- First Mortgage Concentration (%): Bottom 4.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	3,596 -2.5% YoY-0.4% QoQ	+919	2,676 +1.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	75%
Assets	$55.2M +6.1% YoY+2.9% QoQ	+$25.0M	$30.2M +1.3% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	80%
Loans	$31.1M +0.5% YoY+0.0% QoQ	+$15.8M	$15.3M -2.0% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	84%
Deposits	$48.9M +7.6% YoY+2.5% QoQ	+$23.1M	$25.8M +0.7% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	81%

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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	2.1% +0.0% YoY+169.5% QoQ	+1.9%	0.1% -77.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	Top 5.8% in tier
NIM	3.8% -3.8% YoY+24.1% QoQ	-0.2%	4.0% +4.0% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	51.0% -5.5% YoY-33.4% QoQ	-39.7%	90.6% +6.5% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	Top 5.3% in tier
Delinquency Rate	0.2% +72.1% YoY-24.4% QoQ	-1.3	1.5% +3.8% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	27%
Loan To Share	63.5% -6.6% YoY-2.4% QoQ	+5.0%	58.5% -3.0% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	57%
AMR	$22,232 +7.4% YoY+1.9% QoQ	+$7K	$14,884 -1.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Top 14.7% in tier
CD Concentration	16.0% +13.0% YoY-0.5% QoQ	-8.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

133

Efficiency Ratio

profitability

Value: 50.98%

Peer Median: 81.45%

#133 of 2508 Top 5.3% in <100M tier

146

Return on Assets (ROA)

profitability

Value: 2.06%

Peer Median: 0.61%

#146 of 2508 Top 5.8% in <100M tier

346

Loan-to-Member Ratio (LMR)

engagement

Value: $8,638

Peer Median: $4,923

#346 of 2508 Top 13.8% in <100M tier

350

Deposit Growth Rate

growth

Value: 7.56%

Peer Median: 0.66%

#350 of 2508 Top 13.9% in <100M tier

368

Average Member Relationship (AMR)

engagement

Value: $22,232

Peer Median: $13,926

#368 of 2508 Top 14.6% in <100M tier

401

AMR Growth Rate

growth

Value: 7.36%

Peer Median: 1.27%

#401 of 2508 Top 15.9% in <100M tier

401

Total Loans

balance_sheet

Value: $31.06M

Peer Median: $9.48M

#401 of 2508 Top 15.9% in <100M tier

471

Total Deposits

balance_sheet

Value: $48.89M

Peer Median: $18.77M

#471 of 2508 Top 18.7% in <100M tier

478

Asset Growth Rate

growth

Value: 6.06%

Peer Median: 1.30%

#478 of 2508 Top 19.0% in <100M tier

Top Weaknesses (2 metrics)

2408

First Mortgage Concentration (%)

balance_sheet

Value: 60.14%

Peer Median: 3.66%

#2408 of 2508 Bottom 4.0% in <100M tier

1994

Net Worth Ratio

risk

Value: 10.47%

Peer Median: 14.28%

#1994 of 2508 Bottom 20.5% in <100M tier