BlastPoint's Credit Union Scorecard

TOMAH AREA

Charter #66615 · WI

100M-500M

1024 CUs in 100M-500M nationally 27 in WI

TOMAH AREA has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.51% above tier average
+ Net Charge-Off Rate: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 3.3% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
Shares and deposits +8.1% year over year ($108M in shares and deposits).
Membership: 6,638 members, -1.8% vs a year ago.
Delinquency rate 0.49%.
Return on assets 1.38%.
Efficiency ratio 62.76% vs a 76.73% peer average.
Loan-to-share ratio 55.76% vs a 71.54% 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	6,638 -1.8% YoY-0.5% QoQ	-8.5K	15,168 -2.6% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	Bottom 10.0% in tier
Assets	$125.9M +9.5% YoY+1.7% QoQ	$-106.1M	$232.0M +0.7% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	17%
Loans	$60.4M +2.3% YoY+1.4% QoQ	$-85.8M	$146.3M +0.2% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	Bottom 11.4% in tier
Deposits	$108.4M +8.1% YoY+1.0% QoQ	$-92.3M	$200.7M +0.2% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -19.7% YoY+12.1% QoQ	+0.5%	0.9% +12.5% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	84%
NIM	3.1% -8.1% YoY+1.3% QoQ	-0.6%	3.7% +4.5% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	16%
Efficiency Ratio	62.8% +9.3% YoY-3.3% QoQ	-14.0%	76.7% -0.8% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	Top 11.7% in tier
Delinquency Rate	0.5% +115.2% YoY-31.1% QoQ	-0.4	0.9% +6.6% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	35%
Loan To Share	55.8% -5.4% YoY+0.4% QoQ	-15.8%	71.5% -0.3% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	19%
AMR	$25,433 +7.9% YoY+1.7% QoQ	+$326	$25,107 +3.2% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	63%
CD Concentration	27.6% +9.7% YoY-1.7% QoQ	+3.0%	24.6%	21.6%	20.0%	50%
Indirect Auto %	3.2% -18.9% YoY-8.2% QoQ	-10.4%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#218 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.87%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (6)

Margin Compression

decline

#54 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.38%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.71%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk

#286 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Membership Headwinds

decline

#362 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.80%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Credit Risk Growth

risk

#336 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.27%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Stagnation Risk

risk

#425 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.80%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.27%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.49%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Cost Spiral

risk

#81 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.36% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 57.39%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: 0.34%

#44 of 1024 Top 4.2% in 100M-500M tier

121

Efficiency Ratio

profitability

Value: 62.76%

Peer Median: 77.26%

#121 of 1024 Top 11.7% in 100M-500M tier

123

Asset Growth Rate

growth

Value: 9.51%

Peer Median: 4.12%

#123 of 1024 Top 11.9% in 100M-500M tier

155

Deposit Growth Rate

growth

Value: 8.08%

Peer Median: 3.58%

#155 of 1024 Top 15.0% in 100M-500M tier

168

AMR Growth Rate

growth

Value: 7.87%

Peer Median: 3.53%

#168 of 1024 Top 16.3% in 100M-500M tier

169

Return on Assets (ROA)

profitability

Value: 1.38%

Peer Median: 0.75%

#169 of 1024 Top 16.4% in 100M-500M tier

Top Weaknesses (7 metrics)

991

First Mortgage Concentration (%)

balance_sheet

Value: 67.12%

Peer Median: 29.92%

#991 of 1024 Bottom 3.3% in 100M-500M tier

922

Total Members

engagement

Value: 6,638

Peer Median: 13,128

#922 of 1024 Bottom 10.1% in 100M-500M tier

907

Total Loans

balance_sheet

Value: $60.43M

Peer Median: $124.04M

#907 of 1024 Bottom 11.5% in 100M-500M tier

862

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: 3.67%

#862 of 1024 Bottom 15.9% in 100M-500M tier

860

Total Deposits

balance_sheet

Value: $108.39M

Peer Median: $170.77M

#860 of 1024 Bottom 16.1% in 100M-500M tier

852

Total Assets

balance_sheet

Value: $125.87M

Peer Median: $196.38M

#852 of 1024 Bottom 16.9% in 100M-500M tier

834

Loan-to-Share Ratio

balance_sheet

Value: 55.76%

Peer Median: 73.07%

#834 of 1024 Bottom 18.7% in 100M-500M tier