BlastPoint's Credit Union Scorecard
WOOD COUNTY EMPLOYEES
Charter #66547 · WI
<100M
2634 CUs in <100M nationally
54 in WI
WOOD COUNTY EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Worth Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.43% below tier average
- - Efficiency ratio 43.54% above tier (higher cost structure)
- - Member decline: -28.5% YoY
- - Asset Growth Rate: Bottom 0.7% in tier
- - Deposit Growth Rate: Bottom 0.8% in tier
- - Member Growth Rate: Bottom 1.5% in tier
- - Total Members: Bottom 3.4% in tier
- - Total Assets: Bottom 4.4% in tier
Core Metrics
As of 2025-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
148
-28.5% YoY-6.9% QoQ
|
-2.5K |
2,629
-2.0% YoY
|
38,156
+7.7% YoY
|
32,521
+5.8% YoY
|
Bottom 3.3% in tier |
| Assets |
$672,982
-28.0% YoY-13.8% QoQ
|
$-29.1M |
$29.8M
+1.2% YoY
|
$697.8M
+10.6% YoY
|
$538.5M
+7.5% YoY
|
Bottom 4.3% in tier |
| Loans |
$634,627
-21.5% YoY-12.3% QoQ
|
$-15.1M |
$15.7M
-2.4% YoY
|
$540.3M
+10.8% YoY
|
$380.3M
+7.9% YoY
|
Bottom 8.7% in tier |
| Deposits |
$496,648
-34.1% YoY-17.6% QoQ
|
$-25.0M |
$25.5M
+0.5% YoY
|
$586.8M
+11.2% YoY
|
$457.8M
+8.9% YoY
|
Bottom 4.4% in tier |
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| ROA |
-2.0%
+223.0% YoY-24.3% QoQ
|
-2.4% |
0.4%
-286.0% YoY
|
0.6%
-22.8% YoY
|
0.6%
+423.1% YoY
|
Bottom 3.5% in tier |
| NIM |
5.1%
+20.2% YoY+17.0% QoQ
|
+1.2% |
3.9%
+4.0% YoY
|
3.4%
-1.7% YoY
|
3.7%
+5.1% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
138.9%
+21.4% YoY-13.2% QoQ
|
+43.5% |
95.4%
-43.8% YoY
|
75.5%
-2.0% YoY
|
87.6%
-34.8% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+6.5% YoY
|
1.0%
+23.9% YoY
|
1.2%
+6.5% YoY
|
Top 0.1% in tier |
| Loan To Share |
127.8%
+19.0% YoY+6.5% QoQ
|
+67.0% |
60.8%
-3.4% YoY
|
80.0%
-0.1% YoY
|
67.3%
-2.3% YoY
|
Top 0.5% in tier |
| AMR |
$7,644
+1.3% YoY-8.4% QoQ
|
$-8K |
$16,056
+3.2% YoY
|
$22,513
+2.8% YoY
|
$20,202
+3.7% YoY
|
18% |
| CD Concentration | 0.0% | - | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2634
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2634
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2634
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2634
Top 0.1% in <100M tier
10
Loan-to-Share Ratio
balance_sheet
Value:
127.78%
Peer Median: -
#10 of 2634
Top 0.3% in <100M tier
248
Net Worth Ratio
risk
Value:
26.09%
Peer Median: -
#248 of 2634
Top 9.4% in <100M tier
296
Net Interest Margin (NIM)
profitability
Value:
5.10%
Peer Median: -
#296 of 2634
Top 11.2% in <100M tier
352
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#352 of 2634
Top 13.3% in <100M tier
Top Weaknesses (13 metrics)
2617
Asset Growth Rate
growth
Value:
-28.05%
Peer Median: -
#2617 of 2634
Bottom 0.7% in <100M tier
2613
Deposit Growth Rate
growth
Value:
-34.07%
Peer Median: -
#2613 of 2634
Bottom 0.8% in <100M tier
2596
Member Growth Rate
growth
Value:
-28.50%
Peer Median: -
#2596 of 2634
Bottom 1.5% in <100M tier
2550
Efficiency Ratio
profitability
Value:
138.91%
Peer Median: -
#2550 of 2634
Bottom 3.2% in <100M tier
2546
Total Members
engagement
Value:
148
Peer Median: -
#2546 of 2634
Bottom 3.4% in <100M tier
2542
Return on Assets (ROA)
profitability
Value:
-1.99%
Peer Median: -
#2542 of 2634
Bottom 3.5% in <100M tier
2520
Total Assets
balance_sheet
Value:
$672,982
Peer Median: -
#2520 of 2634
Bottom 4.4% in <100M tier
2518
Total Deposits
balance_sheet
Value:
$496,648
Peer Median: -
#2518 of 2634
Bottom 4.4% in <100M tier
2498
Members Per Employee (MPE)
engagement
Value:
74.000
Peer Median: -
#2498 of 2634
Bottom 5.2% in <100M tier
2494
Loan Growth Rate
growth
Value:
-21.55%
Peer Median: -
#2494 of 2634
Bottom 5.4% in <100M tier