BlastPoint's Credit Union Scorecard

AVESTAR

Charter #66537 · WI

<100M

2508 CUs in <100M nationally 51 in WI

AVESTAR has 4 strengths but faces 2 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

+ Net Interest Margin 0.45% above tier average
+ Total Loans: Top 3.5% in tier
+ Loan-to-Share Ratio: Top 6.7% in tier
+ Total Members: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.7% YoY
- First Mortgage Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	5,873 -2.7% YoY+1.4% QoQ	+3.2K	2,676 +1.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Top 9.3% in tier
Assets	$66.5M +4.1% YoY+2.3% QoQ	+$36.3M	$30.2M +1.3% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Top 13.6% in tier
Loans	$53.4M -0.1% YoY-2.9% QoQ	+$38.2M	$15.3M -2.0% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	Top 3.5% in tier
Deposits	$58.2M +4.6% YoY+2.9% QoQ	+$32.4M	$25.8M +0.7% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	Top 13.1% 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	0.1% +0.3% YoY-68.1% QoQ	+0.0%	0.1% -77.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	28%
NIM	4.5% +3.7% YoY-3.4% QoQ	+0.5%	4.0% +4.0% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	85.3% -6.8% YoY+2.2% QoQ	-5.4%	90.6% +6.5% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	1.4% -22.6% YoY-7.3% QoQ	-0.1	1.5% +3.8% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	73%
Loan To Share	91.9% -4.5% YoY-5.7% QoQ	+33.4%	58.5% -3.0% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 6.8% in tier
AMR	$19,005 +5.1% YoY-1.4% QoQ	+$4K	$14,884 -1.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	74%
CD Concentration	23.3% -2.8% YoY-3.3% QoQ	-1.0%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Total Loans

balance_sheet

Value: $53.44M

Peer Median: $9.48M

#88 of 2508 Top 3.5% in <100M tier

169

Loan-to-Share Ratio

balance_sheet

Value: 91.86%

Peer Median: 58.72%

#169 of 2508 Top 6.7% in <100M tier

232

Total Members

engagement

Value: 5,873

Peer Median: 1,918

#232 of 2508 Top 9.2% in <100M tier

280

Loan-to-Member Ratio (LMR)

engagement

Value: $9,099

Peer Median: $4,923

#280 of 2508 Top 11.1% in <100M tier

329

Total Deposits

balance_sheet

Value: $58.17M

Peer Median: $18.77M

#329 of 2508 Top 13.1% in <100M tier

342

Total Assets

balance_sheet

Value: $66.48M

Peer Median: $21.86M

#342 of 2508 Top 13.6% in <100M tier

556

Fee Income Per Member

profitability

Value: $116.86

Peer Median: $60.42

#556 of 2508 Top 22.1% in <100M tier

618

Net Interest Margin (NIM)

profitability

Value: 4.46%

Peer Median: 3.83%

#618 of 2508 Top 24.6% in <100M tier

Top Weaknesses (2 metrics)

2261

First Mortgage Concentration (%)

balance_sheet

Value: 46.01%

Peer Median: 3.66%

#2261 of 2508 Bottom 9.9% in <100M tier

1992

Members Per Employee (MPE)

engagement

Value: 225.885

Peer Median: 333.750

#1992 of 2508 Bottom 20.6% in <100M tier