BlastPoint's Credit Union Scorecard

GOVERNMENTAL EMPLOYEES

Charter #66529 · WI

100M-500M

1070 CUs in 100M-500M nationally 26 in WI

GOVERNMENTAL EMPLOYEES has 3 strengths but faces 3 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
+ Emerging Performer: Top 50.0% in tier
+ Loan-to-Share Ratio: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 4.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	6,759 +2.4% YoY+1.5% QoQ	-8.4K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Bottom 10.0% in tier
Assets	$119.3M +4.5% YoY+2.0% QoQ	$-112.4M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Bottom 13.2% in tier
Loans	$98.2M +8.5% YoY+5.2% QoQ	$-45.9M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	36%
Deposits	$106.8M +3.7% YoY+2.1% QoQ	$-94.4M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	15%

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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% +3.6% YoY-3.6% QoQ	+0.0%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	52%
NIM	3.2% +9.3% YoY+1.6% QoQ	-0.4%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	74.7% -2.0% YoY+7.8% QoQ	-3.3%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.6% -24.7% YoY-2.3% QoQ	-0.2	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	49%
Loan To Share	92.0% +4.6% YoY+3.1% QoQ	+21.6%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 8.3% in tier
AMR	$30,332 +3.4% YoY+2.0% QoQ	+$5K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	82%
CD Concentration	32.7% -9.6% YoY-3.3% QoQ	+8.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	20.4% +6.8% YoY+5.7% QoQ	+6.6%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#179 of 257 • 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): 3.44%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $2.6K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Emerging Performer

growth

#138 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.72%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.41%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#114 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.99%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.45%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#400 of 504 • 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): 4.54%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.39%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.41%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 91.99%

Peer Median: 71.88%

#89 of 1070 Top 8.2% in 100M-500M tier

128

Loan-to-Member Ratio (LMR)

engagement

Value: $14,533

Peer Median: $9,356

#128 of 1070 Top 11.9% in 100M-500M tier

193

Average Member Relationship (AMR)

engagement

Value: $30,332

Peer Median: $22,931

#193 of 1070 Top 17.9% in 100M-500M tier

221

Members Per Employee (MPE)

engagement

Value: 397.588

Peer Median: 309.176

#221 of 1070 Top 20.6% in 100M-500M tier

235

Loan Growth Rate

growth

Value: 8.45%

Peer Median: 2.93%

#235 of 1070 Top 21.9% in 100M-500M tier

256

Member Growth Rate

growth

Value: 2.41%

Peer Median: -0.06%

#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1027

Fee Income Per Member

profitability

Value: $55.52

Peer Median: $154.95

#1027 of 1070 Bottom 4.1% in 100M-500M tier

963

Total Members

engagement

Value: 6,759

Peer Median: 13,200

#963 of 1070 Bottom 10.1% in 100M-500M tier

929

Total Assets

balance_sheet

Value: $119.28M

Peer Median: $196.57M

#929 of 1070 Bottom 13.3% in 100M-500M tier

907

Total Deposits

balance_sheet

Value: $106.78M

Peer Median: $171.29M

#907 of 1070 Bottom 15.3% in 100M-500M tier

855

Net Worth Ratio

risk

Value: 9.44%

Peer Median: 11.45%

#855 of 1070 Bottom 20.2% in 100M-500M tier

851

Share Certificate Concentration (%)

balance_sheet

Value: 32.74%

Peer Median: 23.10%

#851 of 1070 Bottom 20.6% in 100M-500M tier