BlastPoint's Credit Union Scorecard
STOPPENBACH
Charter #66565 · WI
STOPPENBACH has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 7.58% above tier average
- + Net Interest Margin 0.27% above tier average
- + Loan-to-Share Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 26.72% above tier (higher cost structure)
- - Delinquency rate 4.57% above tier average
- - Share Certificate Concentration (%): Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 5.8% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
- - AMR Growth Rate: Bottom 8.3% in tier
- - Total Assets: Bottom 8.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
- Shares and deposits -7.0% year over year ($1.4M in shares and deposits).
- Membership: 508 members, -0.8% vs a year ago.
- Delinquency rate 6.11%.
- Return on assets 9.07%.
- Efficiency ratio 115.48% vs a 88.77% peer average.
- Loan-to-share ratio 99.38% vs a 58.89% 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 |
508
-0.8% YoY+0.2% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Bottom 13.8% in tier |
| Assets |
$1.8M
-9.4% YoY-1.6% QoQ
|
$-28.5M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.2% in tier |
| Loans |
$1.4M
-12.6% YoY+1.3% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.0% in tier |
| Deposits |
$1.4M
-7.0% YoY-2.3% QoQ
|
$-24.4M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.4% in tier |
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| ROA |
9.1%
+848.5% YoY-147.3% QoQ
|
+7.6% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
Top 0.8% in tier |
| NIM |
4.2%
-12.6% YoY+2.7% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
115.5%
+48.5% YoY+10.1% QoQ
|
+26.7% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.4% in tier |
| Delinquency Rate |
6.1%
-18.2% YoY+38.8% QoQ
|
+4.6 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.7% in tier |
| Loan To Share |
99.4%
-6.0% YoY+3.7% QoQ
|
+40.5% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 3.5% in tier |
| AMR |
$5,459
-9.1% YoY-0.7% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.0% in tier |
| CD Concentration |
49.0%
-7.5% YoY-10.0% QoQ
|
+24.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)