BlastPoint's Credit Union Scorecard
ARCADIA
Charter #66532 · WI
ARCADIA has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 17.0% in tier
- + Emerging Performer: Top 49.2% in tier
- + Organic Growth Leader: Top 55.1% in tier
- + Relationship Depth Leader: Top 65.9% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 35.2% in tier
- - Credit Risk Growth: Bottom 41.1% in tier
- - First Mortgage Concentration (%): Bottom 1.6% in tier
- - Fee Income Per Member: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,958
+2.3% YoY+0.1% QoQ
|
-8.5K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.4% in tier |
| Assets |
$139.0M
+7.8% YoY+3.2% QoQ
|
$-92.9M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$105.9M
+4.8% YoY+2.7% QoQ
|
$-41.4M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$119.6M
+7.2% YoY+3.3% QoQ
|
$-81.2M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
1.2%
+47.5% YoY+5.4% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
3.6%
+9.7% YoY-0.1% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
69.6%
-10.3% YoY-1.7% QoQ
|
-7.4% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.4%
+203.1% YoY+5.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
88.6%
-2.2% YoY-0.6% QoQ
|
+16.4% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$32,404
+3.7% YoY+2.9% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 13.1% in tier |
| CD Concentration |
32.7%
-1.8% YoY-2.5% QoQ
|
+8.3% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 (<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 (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)