BlastPoint's Credit Union Scorecard
ARCADIA
Charter #66532 · WI
ARCADIA has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.49% above tier average
- + Net Charge-Off Rate: Top 9.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - First Mortgage Concentration (%): Bottom 1.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,002
+1.9% YoY+0.6% QoQ
|
-8.1K |
15,145
-2.5% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 11.6% in tier |
| Assets |
$142.0M
+7.1% YoY+2.2% QoQ
|
$-89.7M |
$231.7M
+0.8% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$108.4M
+7.6% YoY+2.4% QoQ
|
$-35.7M |
$144.1M
+0.2% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$122.1M
+6.3% YoY+2.1% QoQ
|
$-79.0M |
$201.1M
+0.4% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
1.2%
+28.0% YoY-1.0% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
3.4%
-2.9% YoY-5.8% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
69.9%
-7.2% YoY+0.4% QoQ
|
-8.2% |
78.0%
-1.7% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
0.4%
+88.2% YoY-17.2% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
88.8%
+1.2% YoY+0.2% QoQ
|
+18.4% |
70.4%
-0.4% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 12.8% in tier |
| AMR |
$32,922
+4.9% YoY+1.6% QoQ
|
+$8K |
$24,918
+2.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Top 12.7% in tier |
| CD Concentration |
33.7%
+0.2% YoY+2.9% QoQ
|
+9.4% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
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)