BlastPoint's Credit Union Scorecard

GOVERNMENTAL EMPLOYEES

Charter #66529 · WI

100M-500M

1069 CUs in 100M-500M nationally 26 in WI

GOVERNMENTAL EMPLOYEES has 1 strength but faces 5 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

+ Relationship Depth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 3.3% in tier
- Total Members: Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	6,656 +0.6% YoY-0.1% QoQ	-8.8K	15,437 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	Bottom 8.5% in tier
Assets	$116.9M +5.0% YoY+2.1% QoQ	$-115.0M	$231.9M +1.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	Bottom 11.3% in tier
Loans	$93.4M +2.8% YoY+0.4% QoQ	$-54.0M	$147.3M -0.1% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	31%
Deposits	$104.6M +4.1% YoY+1.6% QoQ	$-96.2M	$200.8M +0.8% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	Bottom 13.8% in tier

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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	0.7% +67.3% YoY-2.0% QoQ	+0.0%	0.8% +18.2% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	49%
NIM	3.2% +17.6% YoY+1.6% QoQ	-0.4%	3.6% +6.7% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	25%
Efficiency Ratio	69.3% -8.2% YoY-0.7% QoQ	-7.7%	77.0% -3.1% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	24%
Delinquency Rate	0.6% +24.2% YoY-21.5% QoQ	-0.3	0.9% +4.2% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	42%
Loan To Share	89.2% -1.3% YoY-1.3% QoQ	+17.0%	72.2% -1.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	84%
AMR	$29,745 +2.9% YoY+1.1% QoQ	+$5K	$24,676 +3.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	81%
CD Concentration	33.9% -5.1% YoY+1.0% QoQ	+9.4%	24.4%	21.5%	19.8%	50%
Indirect Auto %	19.3% +1.9% YoY-0.6% QoQ	+5.5%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#210 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.86%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.5K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#472 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#398 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 4.96%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 19.30%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Risk Growth

risk

#386 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.78%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (5 metrics)

149

Loan-to-Member Ratio (LMR)

engagement

Value: $14,027

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

171

Loan-to-Share Ratio

balance_sheet

Value: 89.24%

Peer Median: -

#171 of 1069 Top 15.9% in 100M-500M tier

200

Average Member Relationship (AMR)

engagement

Value: $29,745

Peer Median: -

#200 of 1069 Top 18.6% in 100M-500M tier

225

Members Per Employee (MPE)

engagement

Value: 391.529

Peer Median: -

#225 of 1069 Top 21.0% in 100M-500M tier

257

Efficiency Ratio

profitability

Value: 69.30%

Peer Median: -

#257 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1035

Fee Income Per Member

profitability

Value: $58.18

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

978

Total Members

engagement

Value: 6,656

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

948

Total Assets

balance_sheet

Value: $116.90M

Peer Median: -

#948 of 1069 Bottom 11.4% in 100M-500M tier

921

Total Deposits

balance_sheet

Value: $104.62M

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier

876

Share Certificate Concentration (%)

balance_sheet

Value: 33.85%

Peer Median: -

#876 of 1069 Bottom 18.1% in 100M-500M tier

858

Net Worth Ratio

risk

Value: 9.45%

Peer Median: -

#858 of 1069 Bottom 19.8% in 100M-500M tier