BlastPoint's Credit Union Scorecard
SHEBOYGAN AREA
Charter #66616 · WI
SHEBOYGAN AREA has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Total Assets: Top 2.2% in tier
- + Total Deposits: Top 3.5% in tier
- + Total Loans: Top 4.2% in tier
- + Total Members: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.7% 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 +6.9% year over year ($78.1M in shares and deposits).
- Membership: 6,911 members, +0.9% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 1.93%.
- Efficiency ratio 60.00% vs a 88.77% peer average.
- Loan-to-share ratio 67.90% 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 |
6,911
+0.9% YoY+0.5% QoQ
|
+4.3K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Top 5.3% in tier |
| Assets |
$93.4M
+8.1% YoY+3.2% QoQ
|
+$63.1M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Top 2.2% in tier |
| Loans |
$53.1M
+3.0% YoY+1.2% QoQ
|
+$37.6M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Top 4.3% in tier |
| Deposits |
$78.1M
+6.9% YoY+3.0% QoQ
|
+$52.3M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Top 3.5% in tier |
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| ROA |
1.9%
-9.8% YoY+4.5% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
Top 10.5% in tier |
| NIM |
3.8%
-1.9% YoY+0.7% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
60.0%
+5.7% YoY-3.1% QoQ
|
-28.8% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
0.1%
-36.5% YoY-59.6% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
67.9%
-3.7% YoY-1.7% QoQ
|
+9.0% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$18,984
+4.3% YoY+1.7% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
15.1%
+26.0% YoY+15.2% QoQ
|
-9.4% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
23.3%
-7.7% YoY-3.6% QoQ
|
+9.7% | 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)