BlastPoint's Credit Union Scorecard
STOPPENBACH
Charter #66565 · WI
2556 CUs in <100M nationally
52 in WI
STOPPENBACH has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.81% below tier average
- - Efficiency ratio 22.21% above tier (higher cost structure)
- - Delinquency rate 4.71% above tier average
- - Share Certificate Concentration (%): Bottom 2.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
- - Fee Income Per Member: Bottom 9.2% in tier
- - Total Deposits: Bottom 9.3% in tier
- - Total Assets: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
507
-1.6% YoY-0.6% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.7% in tier |
| Assets |
$2.0M
-2.5% YoY-1.2% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.4% in tier |
| Loans |
$1.4M
-2.4% YoY-4.9% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.7% in tier |
| Deposits |
$1.5M
-2.7% YoY-1.6% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.2% in tier |
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| ROA |
-0.2%
-258.9% YoY-115.9% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.6% in tier |
| NIM |
3.6%
+7.6% YoY-27.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
104.8%
+1.1% YoY+38.6% QoQ
|
+22.2% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 8.3% in tier |
| Delinquency Rate |
6.3%
-40.2% YoY-15.9% QoQ
|
+4.7 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Top 4.5% in tier |
| Loan To Share |
92.2%
+0.3% YoY-3.4% QoQ
|
+31.6% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 8.3% in tier |
| AMR |
$5,644
-1.0% YoY-2.7% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.8% in tier |
| CD Concentration |
54.2%
-0.3% YoY+2.3% QoQ
|
+29.7% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
210
Loan-to-Share Ratio
balance_sheet
Value:
92.24%
Peer Median: -
#210 of 2556
Top 8.2% in <100M tier
346
Net Worth Ratio
risk
Value:
23.42%
Peer Median: -
#346 of 2556
Top 13.5% in <100M tier
616
Net Charge-Off Rate
risk
Value:
0.03%
Peer Median: -
#616 of 2556
Top 24.1% in <100M tier
Top Weaknesses (12 metrics)
2498
Share Certificate Concentration (%)
balance_sheet
Value:
54.17%
Peer Median: -
#2498 of 2556
Bottom 2.3% in <100M tier
2443
Total Delinquency Rate (60+ days)
risk
Value:
6.26%
Peer Median: -
#2443 of 2556
Bottom 4.5% in <100M tier
2346
Efficiency Ratio
profitability
Value:
104.77%
Peer Median: -
#2346 of 2556
Bottom 8.3% in <100M tier
2321
Fee Income Per Member
profitability
Value:
$2.21
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2320
Total Deposits
balance_sheet
Value:
$1.49M
Peer Median: -
#2320 of 2556
Bottom 9.3% in <100M tier
2317
Total Assets
balance_sheet
Value:
$1.97M
Peer Median: -
#2317 of 2556
Bottom 9.4% in <100M tier
2280
Average Member Relationship (AMR)
engagement
Value:
$5,644
Peer Median: -
#2280 of 2556
Bottom 10.8% in <100M tier
2234
Return on Assets (ROA)
profitability
Value:
-0.19%
Peer Median: -
#2234 of 2556
Bottom 12.6% in <100M tier
2205
Total Loans
balance_sheet
Value:
$1.37M
Peer Median: -
#2205 of 2556
Bottom 13.8% in <100M tier
2205
Total Members
engagement
Value:
507
Peer Median: -
#2205 of 2556
Bottom 13.8% in <100M tier