BlastPoint's Credit Union Scorecard
CONNEXUS
Charter #66538 · WI
CONNEXUS has 6 strengths but faces 8 concerns
How does the industry compare?
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.5% in tier
- + Net Interest Margin 0.37% above tier average
- + First Mortgage Concentration (%): Top 1.3% in tier
- + Total Members: Top 2.6% in tier
- + Members Per Employee (MPE): Top 3.9% in tier
- + AMR Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 8.5% in tier
- - Credit Quality Pressure: Bottom 39.0% in tier
- - Liquidity Strain: Bottom 41.6% in tier
- - Indirect Auto Dependency: Bottom 41.9% in tier
- - Stagnation Risk: Bottom 97.0% in tier
- - Membership Headwinds: Bottom 97.0% in tier
- - ROA 0.87% below tier average
- - Efficiency ratio 4.91% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +7.9% year over year ($3.62B in shares and deposits).
- Membership: 417,271 members, -8.6% vs a year ago.
- Delinquency rate 1.89%.
- Return on assets 0.06%.
- Efficiency ratio 74.37% vs a 69.45% peer average.
- Loan-to-share ratio 91.26% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
417,271
-8.6% YoY-2.0% QoQ
|
+200.7K |
216,545
-9.5% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Top 3.9% in tier |
| Assets |
$4.1B
+6.0% YoY-0.3% QoQ
|
+$233.6M |
$3.9B
-1.6% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$3.3B
-7.7% YoY+0.4% QoQ
|
+$370.4M |
$2.9B
-1.2% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$3.6B
+7.9% YoY-0.3% QoQ
|
+$360.4M |
$3.3B
-2.6% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.1%
-109.3% YoY+13.2% QoQ
|
-0.9% |
0.9%
+25.3% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.3% in tier |
| NIM |
3.6%
-8.6% YoY+1.1% QoQ
|
+0.4% |
3.2%
+3.8% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
74.4%
-5.4% YoY-2.4% QoQ
|
+4.9% |
69.5%
-2.3% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
1.9%
+4.3% YoY+0.1% QoQ
|
+1.1 |
0.8%
+5.5% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
91.3%
-14.4% YoY+0.7% QoQ
|
+1.0% |
90.2%
+0.9% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$16,582
+9.3% YoY+2.1% QoQ
|
$-14K |
$31,018
+6.9% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.6% in tier |
| CD Concentration |
48.0%
+3.2% YoY+3.0% QoQ
|
+18.9% | 29.1% | 21.6% | 20.0% | Top 3.5% in tier |
| Indirect Auto % |
15.7%
+15.0% YoY+3.8% QoQ
|
-2.4% | 18.1% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)