BlastPoint's Credit Union Scorecard
MEADOWLAND
Charter #66618 · WI
MEADOWLAND has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.2% in tier
- + Loan-to-Share Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 17.00% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.5% in tier
- - First Mortgage Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,646
-0.9% YoY+0.1% QoQ
|
+20 |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$34.3M
+2.8% YoY-2.2% QoQ
|
+$4.4M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$28.7M
+0.6% YoY-0.1% QoQ
|
+$12.9M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$31.4M
+4.1% YoY-2.5% QoQ
|
+$6.0M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
0.0%
-97.3% YoY-109.6% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
3.7%
+4.6% YoY+2.8% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
98.4%
+15.7% YoY-5.2% QoQ
|
+17.0% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 12.4% in tier |
| Delinquency Rate |
0.8%
+280.1% YoY+79.2% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
91.4%
-3.4% YoY+2.4% QoQ
|
+30.2% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 9.8% in tier |
| AMR |
$22,719
+3.3% YoY-1.5% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 12.4% in tier |
| CD Concentration |
19.5%
+31.5% YoY-9.4% QoQ
|
-4.9% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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)