BlastPoint's Credit Union Scorecard

CONNEXUS

Charter #66538 · WI

Mid-Market 3B-5B
76 CUs in 3B-5B nationally 5 in WI
View Mid-Market leaderboard →

CONNEXUS has 4 strengths but faces 20 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.81% above tier average
  • + First Mortgage Concentration (%): Top 1.3% in tier
  • + Total Members: Top 2.6% in tier
  • + Members Per Employee (MPE): Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 1.2% in tier
  • - Institutional Decline: Bottom 3.5% in tier
  • - Accelerating Exit Risk: Bottom 11.1% in tier
  • - Membership Headwinds: Bottom 16.7% in tier
  • - Shrinking Wallet Share: Bottom 28.2% in tier
  • - Liquidity Strain: Bottom 64.8% in tier
  • - ROA 0.97% below tier average
  • - Efficiency ratio 4.05% above tier (higher cost structure)
  • - Delinquency rate 1.28% above tier average
  • - Member decline: -8.3% YoY
  • - Fee Income Per Member: Bottom 1.3% in tier
  • - Net Charge-Off Rate: Bottom 2.6% in tier
  • - Asset Growth Rate: Bottom 3.9% in tier
  • - Loan Growth Rate: Bottom 3.9% in tier
  • - Deposit Growth Rate: Bottom 3.9% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
  • - Net Worth Ratio: Bottom 3.9% in tier
  • - Average Member Relationship (AMR): Bottom 3.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
  • - Member Growth Rate: Bottom 5.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 434,687
-8.3% YoY-3.9% QoQ
 +204.3K 230,353
-2.9% YoY
 38,882
+6.1% YoY
 33,374
+5.7% YoY
 Top 3.9% in tier
Assets $3.9B
-9.3% YoY-5.4% QoQ
 $-12.2M $3.9B
+0.3% YoY
 $734.5M
+12.6% YoY
 $561.6M
+9.7% YoY
 50%
Loans $3.4B
-11.5% YoY-2.6% QoQ
 +$444.0M $2.9B
-0.2% YoY
 $568.1M
+11.9% YoY
 $397.0M
+8.8% YoY
 72%
Deposits $3.4B
-14.0% YoY-5.2% QoQ
 +$90.6M $3.3B
-0.3% YoY
 $617.8M
+12.3% YoY
 $477.3M
+9.7% YoY
 55%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA -0.3%
-89.9% YoY-31.9% QoQ
 -1.0% 0.7%
+16.8% YoY
 0.9%
+14.0% YoY
 0.7%
+15.9% YoY
 Bottom 2.6% in tier
NIM 3.9%
+9.5% YoY-0.9% QoQ
 +0.8% 3.1%
+9.8% YoY
 3.7%
+4.8% YoY
 3.8%
+5.1% YoY
 Top 9.2% in tier
Efficiency Ratio 75.5%
+1.6% YoY-0.8% QoQ
 +4.1% 71.4%
-1.4% YoY
 75.8%
-1.1% YoY
 79.7%
-3.3% YoY
 72%
Delinquency Rate 2.2%
-14.4% YoY+2.5% QoQ
 +1.3 0.9%
+5.8% YoY
 1.5%
+86.3% YoY
 1.3%
-2.1% YoY
 Top 3.9% in tier
Loan To Share 99.3%
+3.0% YoY+2.8% QoQ
 +10.4% 88.9%
-0.2% YoY
 80.0%
-0.6% YoY
 67.4%
-1.7% YoY
 78%
AMR $15,599
-4.9% YoY-0.1% QoQ
 $-14K $29,682
+1.5% YoY
 $23,366
+4.9% YoY
 $19,687
+2.0% YoY
 Bottom 2.6% in tier
CD Concentration 41.6%
-18.6% YoY-9.6% QoQ
 +12.5% 29.0% 21.5% 19.8% Top 9.3% in tier
Indirect Auto % 14.4%
+10.0% YoY+4.1% QoQ
 -3.9% 18.3% 8.0% 7.8% 46%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk
#2 of 85 • Bottom 1.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -8.28%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -11.46%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
Delinquency Rate: 2.15%
(Tier: 0.89%, National: 1.28%)
worse than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Institutional Decline

decline
#2 of 30 • Bottom 3.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $3.93B
(Tier: $2.17B, National: $561.61M)
but better than tier avg
Member Growth (YoY): -8.28%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -11.46%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
30 of 378 Mid-Market CUs have this signature | 277 nationally
→ No prior data (30 CUs now) | New qualifier

Accelerating Exit Risk

decline
#2 of 10 • Bottom 11.1% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -8.28%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
AMR Growth (YoY): -4.90%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
10 of 378 Mid-Market CUs have this signature | 69 nationally
→ No prior data (10 CUs now) | New qualifier

Membership Headwinds

decline
#15 of 85 • Bottom 16.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -8.28%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Shrinking Wallet Share

decline
#23 of 79 • Bottom 28.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.90%
(Tier: 3.31%, National: 4.00%)
worse than tier avg
79 of 378 Mid-Market CUs have this signature | 303 nationally
↓ Shrinking -33 CUs YoY | Rank worsening

Liquidity Strain

risk
#108 of 166 • Bottom 64.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 99.35%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): -11.46%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 76 peers in tier

Top Strengths (5 metrics)

2
First Mortgage Concentration (%)
balance_sheet
Value: 8.38%
Peer Median: -
#2 of 76 Top 1.3% in 3B-5B tier
3
Total Members
engagement
Value: 434,687
Peer Median: -
#3 of 76 Top 2.6% in 3B-5B tier
3
Members Per Employee (MPE)
engagement
Value: 719.680
Peer Median: -
#3 of 76 Top 2.6% in 3B-5B tier
7
Net Interest Margin (NIM)
profitability
Value: 3.94%
Peer Median: -
#7 of 76 Top 7.9% in 3B-5B tier
17
Loan-to-Share Ratio
balance_sheet
Value: 99.35%
Peer Median: -
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (13 metrics)

76
Fee Income Per Member
profitability
Value: $53.59
Peer Median: -
#76 of 76 Bottom 1.3% in 3B-5B tier
75
Net Charge-Off Rate
risk
Value: 2.56%
Peer Median: -
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Return on Assets (ROA)
profitability
Value: -0.26%
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Asset Growth Rate
growth
Value: -9.33%
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Loan Growth Rate
growth
Value: -11.46%
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Deposit Growth Rate
growth
Value: -14.04%
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Total Delinquency Rate (60+ days)
risk
Value: 2.15%
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Net Worth Ratio
risk
Value: 7.55%
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Average Member Relationship (AMR)
engagement
Value: $15,599
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
74
Loan-to-Member Ratio (LMR)
engagement
Value: $7,774
Peer Median: -
#74 of 76 Bottom 3.9% in 3B-5B tier
Link copied to clipboard!