BlastPoint's Credit Union Scorecard
MEMBERS' ADVANTAGE
Charter #66633 · WI
MEMBERS' ADVANTAGE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
- + Net Interest Margin 0.20% above tier average
- + Net Worth Ratio: Top 4.5% in tier
- + Total Delinquency Rate (60+ days): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 61.2% in tier
- - Membership Headwinds: Bottom 79.9% in tier
- - Stagnation Risk: Bottom 83.7% in tier
- - Institutional Decline: Bottom 93.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,238
-1.3% YoY-0.7% QoQ
|
-4.2K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$183.6M
+0.9% YoY+1.5% QoQ
|
$-48.2M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$120.7M
-0.8% YoY-0.1% QoQ
|
$-26.6M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$147.1M
-1.5% YoY+1.3% QoQ
|
$-53.7M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
1.7%
+32.1% YoY+6.5% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 6.6% in tier |
| NIM |
3.8%
+20.2% YoY+2.2% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
63.0%
-6.5% YoY-0.9% QoQ
|
-14.0% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.0% in tier |
| Delinquency Rate |
0.2%
-52.6% YoY+31.7% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.3% in tier |
| Loan To Share |
82.0%
+0.8% YoY-1.4% QoQ
|
+9.8% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$23,833
+0.1% YoY+1.3% QoQ
|
$-843 |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
13.2%
-21.7% YoY-10.9% QoQ
|
-11.2% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
9.2%
-13.5% YoY-3.4% QoQ
|
-4.6% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)