BlastPoint's Credit Union Scorecard
STOUGHTON U.S. RUBBER EMPLOYEES
Charter #66613 · WI
2596 CUs in <100M nationally
53 in WI
STOUGHTON U.S. RUBBER EMPLOYEES has 5 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 26.97% below tier average
- - Efficiency Ratio: Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 0.5% in tier
- - Deposit Growth Rate: Bottom 0.6% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 0.7% in tier
- - Total Deposits: Bottom 1.0% in tier
- - Total Assets: Bottom 1.6% in tier
- - Loan Growth Rate: Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Total Loans: Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 4.2% in tier
- - Total Members: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
299
0% YoY+171.8% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.0% in tier |
| Assets |
$278,864
-54.4% YoY-25.5% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.6% in tier |
| Loans |
$85,646
-38.5% YoY-11.3% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.8% in tier |
| Deposits |
$130,746
-67.3% YoY-40.6% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.0% in tier |
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| ROA |
-26.3%
-5204.3% YoY-10.9% QoQ
|
-27.0% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.1% in tier |
| NIM |
-18.3%
-574.5% YoY-24.6% QoQ
|
-22.2% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.0% in tier |
| Efficiency Ratio | - | - |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
- |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
65.5%
+88.1% YoY+49.4% QoQ
|
+4.3% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$723.7
-59.8% YoY-74.9% QoQ
|
$-14K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
22
Net Worth Ratio
risk
Value:
52.30%
Peer Avg: -
#22 of 2596
Top 0.8% in <100M tier
Top Weaknesses (16 metrics)
2596
Efficiency Ratio
profitability
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Net Interest Margin (NIM)
profitability
Value:
-18.28%
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2594
Return on Assets (ROA)
profitability
Value:
-26.28%
Peer Avg: -
#2594 of 2596
Bottom 0.1% in <100M tier
2584
Asset Growth Rate
growth
Value:
-54.37%
Peer Avg: -
#2584 of 2596
Bottom 0.5% in <100M tier
2582
Deposit Growth Rate
growth
Value:
-67.28%
Peer Avg: -
#2582 of 2596
Bottom 0.6% in <100M tier
2580
AMR Growth Rate
growth
Value:
-59.84%
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2578
Average Member Relationship (AMR)
engagement
Value:
$723.72
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2570
Total Deposits
balance_sheet
Value:
$130,746
Peer Avg: -
#2570 of 2596
Bottom 1.0% in <100M tier
2555
Total Assets
balance_sheet
Value:
$278,864
Peer Avg: -
#2555 of 2596
Bottom 1.6% in <100M tier
2551
Loan Growth Rate
growth
Value:
-38.48%
Peer Avg: -
#2551 of 2596
Bottom 1.8% in <100M tier