BlastPoint's Credit Union Scorecard
MEMBERS' ADVANTAGE
Charter #66633 · WI
MEMBERS' ADVANTAGE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 23.9% in tier
- + Profitability Leader: Top 36.9% in tier
- + ROA 0.79% above tier average
- + Net Interest Margin 0.13% above tier average
- + Net Worth Ratio: Top 4.7% in tier
- + Total Delinquency Rate (60+ days): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 8.7% in tier
- - Membership Headwinds: Bottom 25.9% in tier
- - Institutional Decline: Bottom 30.8% in tier
- - Liquidity Overhang: Bottom 65.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,316
-1.3% YoY-0.7% QoQ
|
-4.3K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$180.9M
+2.8% YoY-1.8% QoQ
|
$-50.4M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$120.9M
-0.7% YoY+0.8% QoQ
|
$-26.9M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$145.3M
+1.4% YoY-3.1% QoQ
|
$-55.0M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
1.6%
+36.4% YoY+8.6% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
Top 10.1% in tier |
| NIM |
3.7%
+21.8% YoY+3.5% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
63.6%
-8.2% YoY-1.9% QoQ
|
-13.7% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
0.1%
-61.7% YoY-16.0% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 6.8% in tier |
| Loan To Share |
83.2%
-2.1% YoY+4.1% QoQ
|
+10.5% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$23,520
+1.7% YoY-0.7% QoQ
|
$-843 |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
14.8%
-13.5% YoY-13.0% QoQ
|
-9.6% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.5%
-33.9% YoY-7.0% QoQ
|
-4.4% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)