BlastPoint's Credit Union Scorecard

SHEBOYGAN AREA

Charter #66616 · WI

<100M

2508 CUs in <100M nationally 51 in WI

SHEBOYGAN AREA has 5 strengths but faces 1 concern

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.70% above tier average
+ Total Assets: Top 3.5% in tier
+ Total Loans: Top 3.8% in tier
+ Total Deposits: Top 4.7% in tier
+ Total Members: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 4.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	6,879 +1.9% YoY+0.2% QoQ	+4.2K	2,676 +1.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Top 5.5% in tier
Assets	$90.5M +5.5% YoY+4.0% QoQ	+$60.4M	$30.2M +1.3% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Top 3.6% in tier
Loans	$52.4M +3.9% YoY+1.3% QoQ	+$37.2M	$15.3M -2.0% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	Top 3.8% in tier
Deposits	$75.9M +4.3% YoY+4.4% QoQ	+$50.1M	$25.8M +0.7% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	Top 4.7% in tier

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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	1.9% -10.6% YoY-15.2% QoQ	+1.7%	0.1% -77.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	Top 8.5% in tier
NIM	3.8% -2.1% YoY-4.4% QoQ	-0.2%	4.0% +4.0% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	61.9% +4.8% YoY+9.2% QoQ	-28.7%	90.6% +6.5% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	Top 14.4% in tier
Delinquency Rate	0.3% -20.1% QoQ	-1.2	1.5% +3.8% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	36%
Loan To Share	69.1% -0.3% YoY-3.0% QoQ	+10.6%	58.5% -3.0% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	66%
AMR	$18,658 +2.2% YoY+3.0% QoQ	+$4K	$14,884 -1.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	72%
CD Concentration	13.1% +19.7% YoY+7.7% QoQ	-11.1%	24.3%	21.6%	19.8%	50%
Indirect Auto %	24.2% -4.6% YoY-1.8% QoQ	+10.4%	13.8%	8.0%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (12 metrics)

Total Assets

balance_sheet

Value: $90.55M

Peer Median: $21.86M

#90 of 2508 Top 3.5% in <100M tier

Total Loans

balance_sheet

Value: $52.45M

Peer Median: $9.48M

#96 of 2508 Top 3.8% in <100M tier

118

Total Deposits

balance_sheet

Value: $75.90M

Peer Median: $18.77M

#118 of 2508 Top 4.7% in <100M tier

138

Total Members

engagement

Value: 6,879

Peer Median: 1,918

#138 of 2508 Top 5.5% in <100M tier

213

Return on Assets (ROA)

profitability

Value: 1.85%

Peer Median: 0.61%

#213 of 2508 Top 8.5% in <100M tier

361

Efficiency Ratio

profitability

Value: 61.92%

Peer Median: 81.45%

#361 of 2508 Top 14.4% in <100M tier

364

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.07%

#364 of 2508 Top 14.5% in <100M tier

424

Fee Income Per Member

profitability

Value: $130.77

Peer Median: $60.42

#424 of 2508 Top 16.9% in <100M tier

443

Member Growth Rate

growth

Value: 1.87%

Peer Median: -1.37%

#443 of 2508 Top 17.6% in <100M tier

502

Loan-to-Member Ratio (LMR)

engagement

Value: $7,625

Peer Median: $4,923

#502 of 2508 Top 20.0% in <100M tier

Top Weaknesses (2 metrics)

2391

Indirect Auto Concentration (%)

balance_sheet

Value: 24.20%

Peer Median: 0.00%

#2391 of 2508 Bottom 4.7% in <100M tier

2118

First Mortgage Concentration (%)

balance_sheet

Value: 36.66%

Peer Median: 3.66%

#2118 of 2508 Bottom 15.6% in <100M tier