STOPPENBACH
Charter #66565 | WI
<100M
(2596 CUs)
Micro
($0-$500M)
53 <100M in WI
STOPPENBACH has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Net Interest Margin 0.96% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.94% above tier average
- - Member decline: -2.1% YoY
- - Share Certificate Concentration (%): Bottom 2.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Total Deposits: Bottom 9.7% in tier
- - Total Assets: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
510
-2.1% YoY-0.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.1% in tier |
| Assets |
$2.0M
-0.9% YoY+0.9% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.8% in tier |
| Loans |
$1.4M
-2.3% YoY-8.6% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.4% in tier |
| Deposits |
$1.5M
-0.6% YoY+1.2% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.7% in tier |
| ROA |
1.2%
+338.8% YoY+24.6% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
70th in tier |
| NIM |
4.9%
+43.8% YoY+2.8% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Top 16.5% in tier |
| Efficiency Ratio |
75.6%
-25.8% YoY-2.8% QoQ
|
-5.8% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
43rd in tier |
| Delinquency Rate |
7.4%
-23.6% YoY-0.4% QoQ
|
+5.9 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Top 3.2% in tier |
| Loan To Share |
95.5%
-1.8% YoY-9.7% QoQ
|
+34.2% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 6.9% in tier |
| AMR |
$5,798
+0.7% YoY-3.5% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.4% in tier |
| CD Concentration |
53.0%
-3.7% YoY-0.1% QoQ
|
+28.5% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
175
Loan-to-Share Ratio
balance_sheet
Value:
95.48%
Peer Avg: 61.23%
#175 of 2596
Top 6.7% in <100M tier
362
Net Worth Ratio
risk
Value:
23.13%
Peer Avg: 16.43%
#362 of 2596
Top 13.9% in <100M tier
429
Net Interest Margin (NIM)
profitability
Value:
4.90%
Peer Avg: 3.93%
#429 of 2596
Top 16.5% in <100M tier
Top Weaknesses (9 metrics)
2532
Share Certificate Concentration (%)
balance_sheet
Value:
52.95%
Peer Avg: 15.37%
#2532 of 2596
Bottom 2.5% in <100M tier
2515
Total Delinquency Rate (60+ days)
risk
Value:
7.44%
Peer Avg: 1.51%
#2515 of 2596
Bottom 3.2% in <100M tier
2345
Total Deposits
balance_sheet
Value:
$1.51M
Peer Avg: $25.45M
#2345 of 2596
Bottom 9.7% in <100M tier
2342
Total Assets
balance_sheet
Value:
$1.99M
Peer Avg: $29.86M
#2342 of 2596
Bottom 9.8% in <100M tier
2333
Fee Income Per Member
profitability
Value:
$2.20
Peer Avg: $182.96
#2333 of 2596
Bottom 10.2% in <100M tier
2301
Average Member Relationship (AMR)
engagement
Value:
$5,798
Peer Avg: $14,627
#2301 of 2596
Bottom 11.4% in <100M tier
2231
Total Members
engagement
Value:
510
Peer Avg: 2,626
#2231 of 2596
Bottom 14.1% in <100M tier
2221
Total Loans
balance_sheet
Value:
$1.44M
Peer Avg: $15.77M
#2221 of 2596
Bottom 14.5% in <100M tier
2036
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,832
Peer Avg: $5,488
#2036 of 2596
Bottom 21.6% in <100M tier