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 0.96% above tier average
- + Net Interest Margin 0.29% above tier average
- + Net Worth Ratio: Top 3.9% in tier
- + Total Delinquency Rate (60+ days): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,192
-1.6% YoY-0.4% QoQ
|
-4.0K |
15,145
-2.5% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$183.5M
+0.5% YoY-0.1% QoQ
|
$-48.2M |
$231.7M
+0.8% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$120.6M
-0.9% YoY-0.1% QoQ
|
$-23.6M |
$144.1M
+0.2% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$146.8M
-1.8% YoY-0.3% QoQ
|
$-54.4M |
$201.1M
+0.4% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
1.7%
+26.8% YoY+0.6% QoQ
|
+1.0% |
0.7%
+5.1% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
Top 7.9% in tier |
| NIM |
3.9%
+12.0% YoY+3.1% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
62.2%
-5.1% YoY-1.4% QoQ
|
-15.9% |
78.0%
-1.7% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
Top 10.9% in tier |
| Delinquency Rate |
0.1%
-31.5% YoY-15.1% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
Top 9.4% in tier |
| Loan To Share |
82.2%
+1.0% YoY+0.1% QoQ
|
+11.7% |
70.4%
-0.4% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$23,885
+0.3% YoY+0.2% QoQ
|
$-1K |
$24,918
+2.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
13.2%
-26.5% YoY-0.4% QoQ
|
-11.1% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
9.0%
-13.6% YoY-2.0% QoQ
|
-4.8% | 13.8% | 8.0% | 7.7% | 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)