BlastPoint's Credit Union Scorecard

NORTHWESTERN MUTUAL

Charter #66555 · WI

100M-500M

1024 CUs in 100M-500M nationally 27 in WI

NORTHWESTERN MUTUAL has 8 strengths but faces 5 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 0.3% in tier
+ Average Member Relationship (AMR): Top 2.1% in tier
+ Deposit Growth Rate: Top 3.6% in tier
+ Asset Growth Rate: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.17% below tier average
- Net Interest Margin (NIM): Bottom 0.5% in tier
- First Mortgage Concentration (%): Bottom 3.7% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
Shares and deposits +13.4% year over year ($240M in shares and deposits).
Membership: 6,939 members, +4.2% vs a year ago.
Delinquency rate 0.00%.
Return on assets 0.69%.
Efficiency ratio 64.25% vs a 76.73% peer average.
Loan-to-share ratio 50.62% vs a 71.54% 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	6,939 +4.2% YoY+1.2% QoQ	-8.2K	15,168 -2.6% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	Bottom 11.5% in tier
Assets	$285.6M +11.8% YoY-2.3% QoQ	+$53.6M	$232.0M +0.7% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	72%
Loans	$121.4M +3.0% YoY+0.3% QoQ	$-24.9M	$146.3M +0.2% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	49%
Deposits	$239.8M +13.4% YoY-2.7% QoQ	+$39.1M	$200.7M +0.2% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	68%

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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	0.7% +17.9% YoY+35.0% QoQ	-0.2%	0.9% +12.5% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	44%
NIM	1.7% +10.4% YoY+4.2% QoQ	-2.0%	3.7% +4.5% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	Bottom 0.4% in tier
Efficiency Ratio	64.3% -2.7% YoY-10.7% QoQ	-12.5%	76.7% -0.8% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	Top 14.3% in tier
Delinquency Rate	0.0%	-0.9	0.9% +6.6% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	Top 0.3% in tier
Loan To Share	50.6% -9.2% YoY+3.1% QoQ	-20.9%	71.5% -0.3% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	Bottom 12.4% in tier
AMR	$52,050 +5.3% YoY-2.9% QoQ	+$27K	$25,107 +3.2% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	Top 2.2% in tier
CD Concentration	12.8% -20.4% YoY-2.6% QoQ	-11.8%	24.6%	21.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#88 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.19%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#133 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.19%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.69%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Relationship Depth Leader

growth

#133 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.28%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.9K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#461 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.28%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#459 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.02%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#693 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.71%

#4 of 1024 Top 0.3% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $52,050

Peer Median: $23,006

#23 of 1024 Top 2.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 13.41%

Peer Median: 3.58%

#38 of 1024 Top 3.6% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.75%

Peer Median: 4.12%

#56 of 1024 Top 5.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,494

Peer Median: $9,434

#65 of 1024 Top 6.2% in 100M-500M tier

121

Member Growth Rate

growth

Value: 4.19%

Peer Median: -0.03%

#121 of 1024 Top 11.7% in 100M-500M tier

147

Efficiency Ratio

profitability

Value: 64.25%

Peer Median: 77.26%

#147 of 1024 Top 14.3% in 100M-500M tier

159

Share Certificate Concentration (%)

balance_sheet

Value: 12.80%

Peer Median: 23.39%

#159 of 1024 Top 15.4% in 100M-500M tier

167

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.34%

#167 of 1024 Top 16.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1020

Net Interest Margin (NIM)

profitability

Value: 1.71%

Peer Median: 3.67%

#1020 of 1024 Bottom 0.5% in 100M-500M tier

987

First Mortgage Concentration (%)

balance_sheet

Value: 66.31%

Peer Median: 29.92%

#987 of 1024 Bottom 3.7% in 100M-500M tier

906

Total Members

engagement

Value: 6,939

Peer Median: 13,128

#906 of 1024 Bottom 11.6% in 100M-500M tier

897

Loan-to-Share Ratio

balance_sheet

Value: 50.62%

Peer Median: 73.07%

#897 of 1024 Bottom 12.5% in 100M-500M tier

888

Fee Income Per Member

profitability

Value: $95.45

Peer Median: $159.88

#888 of 1024 Bottom 13.4% in 100M-500M tier