BlastPoint's Credit Union Scorecard
STOPPENBACH
Charter #66565 · WI
<100M
2508 CUs in <100M nationally
51 in WI
STOPPENBACH has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - ROA 19.32% below tier average
- - Efficiency ratio 14.29% above tier (higher cost structure)
- - Delinquency rate 2.90% above tier average
- - Share Certificate Concentration (%): Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
- - Total Deposits: Bottom 8.6% in tier
- - Total Assets: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
507
-1.6% YoY0% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 13.9% in tier |
| Assets |
$1.8M
-8.2% YoY-7.6% QoQ
|
$-28.4M |
$30.2M
+1.3% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.6% in tier |
| Loans |
$1.4M
-6.5% YoY-0.6% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.0% in tier |
| Deposits |
$1.4M
-5.0% YoY-4.3% QoQ
|
$-24.4M |
$25.8M
+0.7% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.6% in tier |
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| ROA |
-19.2%
+1346.3% YoY+9999.9% QoQ
|
-19.3% |
0.1%
-77.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.6% in tier |
| NIM |
4.1%
+61.0% YoY+13.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
104.9%
-26.3% YoY+0.1% QoQ
|
+14.3% |
90.6%
+6.5% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate |
4.4%
-56.3% YoY-29.7% QoQ
|
+2.9 |
1.5%
+3.8% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.9% in tier |
| Loan To Share |
95.8%
-1.5% YoY+3.9% QoQ
|
+37.3% |
58.5%
-3.0% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 4.6% in tier |
| AMR |
$5,499
-4.3% YoY-2.6% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.4% in tier |
| CD Concentration |
54.5%
+2.1% YoY+0.6% QoQ
|
+30.2% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.7% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
113
Loan-to-Share Ratio
balance_sheet
Value:
95.80%
Peer Median: 58.72%
#113 of 2508
Top 4.5% in <100M tier
507
Net Worth Ratio
risk
Value:
20.56%
Peer Median: 14.28%
#507 of 2508
Top 20.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (14 metrics)
2494
Return on Assets (ROA)
profitability
Value:
-19.17%
Peer Median: 0.61%
#2494 of 2508
Bottom 0.6% in <100M tier
2453
Share Certificate Concentration (%)
balance_sheet
Value:
54.47%
Peer Median: 12.45%
#2453 of 2508
Bottom 2.2% in <100M tier
2335
Total Delinquency Rate (60+ days)
risk
Value:
4.40%
Peer Median: 0.65%
#2335 of 2508
Bottom 6.9% in <100M tier
2329
Asset Growth Rate
growth
Value:
-8.24%
Peer Median: 1.30%
#2329 of 2508
Bottom 7.2% in <100M tier
2293
Total Deposits
balance_sheet
Value:
$1.42M
Peer Median: $18.77M
#2293 of 2508
Bottom 8.6% in <100M tier
2292
Total Assets
balance_sheet
Value:
$1.82M
Peer Median: $21.86M
#2292 of 2508
Bottom 8.7% in <100M tier
2291
Fee Income Per Member
profitability
Value:
$1.29
Peer Median: $60.42
#2291 of 2508
Bottom 8.7% in <100M tier
2247
Average Member Relationship (AMR)
engagement
Value:
$5,499
Peer Median: $13,926
#2247 of 2508
Bottom 10.4% in <100M tier
2194
Efficiency Ratio
profitability
Value:
104.93%
Peer Median: 81.45%
#2194 of 2508
Bottom 12.6% in <100M tier
2159
Total Members
engagement
Value:
507
Peer Median: 1,918
#2159 of 2508
Bottom 14.0% in <100M tier