BlastPoint's Credit Union Scorecard
CONNEXUS
Charter #66538 · WI
CONNEXUS has 4 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + First Mortgage Concentration (%): Top 1.3% in tier
- + Total Members: Top 1.3% in tier
- + Members Per Employee (MPE): Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 8.6% in tier
- - Liquidity Strain: Bottom 36.3% in tier
- - Credit Quality Pressure: Bottom 42.9% in tier
- - Indirect Auto Dependency: Bottom 92.1% in tier
- - Stagnation Risk: Bottom 97.1% in tier
- - Membership Headwinds: Bottom 97.1% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 4.90% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
425,699
-8.5% YoY-2.1% QoQ
|
+205.3K |
220,435
-7.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
Top 2.6% in tier |
| Assets |
$4.1B
-1.3% YoY+5.6% QoQ
|
+$233.5M |
$3.9B
-1.5% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$3.3B
-10.8% YoY-2.7% QoQ
|
+$394.7M |
$2.9B
-1.1% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$3.6B
-5.4% YoY+6.6% QoQ
|
+$329.3M |
$3.3B
-2.5% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.1%
-104.2% YoY-121.2% QoQ
|
-0.7% |
0.7%
+10.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.1% in tier |
| NIM |
3.6%
-4.0% YoY-9.6% QoQ
|
+0.4% |
3.2%
+4.6% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
76.2%
-10.3% YoY+1.0% QoQ
|
+4.9% |
71.3%
-2.6% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
1.9%
+3.0% YoY-12.2% QoQ
|
+1.1 |
0.7%
+9.2% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.8% in tier |
| Loan To Share |
90.6%
-5.7% YoY-8.8% QoQ
|
+2.7% |
88.0%
+0.9% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$16,244
+0.5% YoY+4.1% QoQ
|
$-14K |
$30,672
+5.5% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.6% in tier |
| CD Concentration |
46.6%
-7.0% YoY+12.1% QoQ
|
+17.7% | 28.8% | 21.6% | 19.8% | Top 3.9% in tier |
| Indirect Auto % |
15.1%
+13.3% YoY+4.7% QoQ
|
-2.9% | 18.1% | 8.0% | 7.7% | 49% |
Signature Analysis
Strengths (0)
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.
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)