BlastPoint's Credit Union Scorecard
TOMAH AREA
Charter #66615 · WI
TOMAH AREA has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.97% above tier average
- + Net Charge-Off Rate: Top 0.2% in tier
- + Total Delinquency Rate (60+ days): Top 1.0% in tier
- + Efficiency Ratio: Top 4.0% in tier
- + AMR Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - First Mortgage Concentration (%): Bottom 3.5% in tier
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,704
-1.7% YoY-0.2% QoQ
|
-8.7K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.0% in tier |
| Assets |
$121.1M
+10.5% YoY+4.3% QoQ
|
$-110.8M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.9% in tier |
| Loans |
$60.2M
+5.6% YoY+0.1% QoQ
|
$-87.2M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.2% in tier |
| Deposits |
$105.2M
+10.1% YoY+4.5% QoQ
|
$-95.6M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.7% in tier |
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| ROA |
1.7%
+0.6% YoY-0.3% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 5.4% in tier |
| NIM |
3.3%
-3.3% YoY-0.5% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
56.3%
+1.1% YoY-0.9% QoQ
|
-20.7% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
0.0%
-91.9% YoY-94.7% QoQ
|
-0.9 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Top 1.0% in tier |
| Loan To Share |
57.2%
-4.1% YoY-4.2% QoQ
|
-15.0% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$24,667
+10.3% YoY+3.1% QoQ
|
$-9 |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
27.2%
+11.7% YoY+6.6% QoQ
|
+2.7% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
3.7%
-3.6% YoY-4.7% QoQ
|
-10.1% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)