BlastPoint's Credit Union Scorecard
GOVERNMENTAL EMPLOYEES
Charter #66529 · WI
GOVERNMENTAL EMPLOYEES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 30.9% in tier
- + Organic Growth Leader: Top 31.8% in tier
- + Relationship Depth Leader: Top 95.7% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.2% in tier
- - Indirect Auto Dependency: Bottom 25.8% in tier
- - Liquidity Strain: Bottom 32.7% in tier
- - ROA 0.03% below tier average
- - Fee Income Per Member: Bottom 3.5% in tier
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,662
+0.6% YoY+0.5% QoQ
|
-9.0K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.2% in tier |
| Assets |
$114.5M
+3.9% YoY-0.2% QoQ
|
$-116.8M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.9% in tier |
| Loans |
$93.0M
+0.5% YoY+1.4% QoQ
|
$-54.8M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$102.9M
+3.4% YoY-0.4% QoQ
|
$-97.4M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.8% in tier |
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| ROA |
0.8%
+107.2% YoY+29.2% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
3.1%
+18.5% YoY+3.7% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
69.8%
-10.4% YoY-1.9% QoQ
|
-7.5% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.8%
+67.2% YoY+10.8% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
90.4%
-2.8% YoY+1.8% QoQ
|
+17.7% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 15.0% in tier |
| AMR |
$29,414
+1.4% YoY-0.0% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
33.5%
-11.7% YoY-6.8% QoQ
|
+9.1% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.4%
-2.7% YoY-1.2% QoQ
|
+5.4% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)