BlastPoint's Credit Union Scorecard
BREWERY
Charter #66637 · WI
<100M
2508 CUs in <100M nationally
51 in WI
BREWERY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.87% above tier average
- + Total Members: Top 3.8% in tier
- + Fee Income Per Member: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Delinquency rate 2.71% above tier average
- - Member decline: -5.0% YoY
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
- - Indirect Auto Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,674
-5.0% YoY-1.8% QoQ
|
+5.0K |
2,676
+1.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
Top 3.9% in tier |
| Assets |
$58.1M
-4.3% YoY-0.8% QoQ
|
+$27.9M |
$30.2M
+1.3% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$35.3M
-12.9% YoY-3.8% QoQ
|
+$20.0M |
$15.3M
-2.0% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Top 13.1% in tier |
| Deposits |
$43.5M
-6.3% YoY-1.7% QoQ
|
+$17.7M |
$25.8M
+0.7% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
0.1%
-53.3% YoY-58.1% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
4.9%
-2.2% YoY-5.3% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
Top 13.8% in tier |
| Efficiency Ratio |
84.0%
+5.5% YoY+4.8% QoQ
|
-6.6% |
90.6%
+6.5% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
4.2%
+179.5% YoY-8.0% QoQ
|
+2.7 |
1.5%
+3.8% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.2% in tier |
| Loan To Share |
81.3%
-7.0% YoY-2.1% QoQ
|
+22.8% |
58.5%
-3.0% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$10,266
-4.6% YoY-0.9% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
14.4%
-12.7% YoY-11.2% QoQ
|
-9.9% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
11.0%
-28.1% YoY-4.2% QoQ
|
-2.8% | 13.8% | 8.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
97
Total Members
engagement
Value:
7,674
Peer Median: 1,918
#97 of 2508
Top 3.8% in <100M tier
144
Fee Income Per Member
profitability
Value:
$190.77
Peer Median: $60.42
#144 of 2508
Top 5.7% in <100M tier
329
Total Loans
balance_sheet
Value:
$35.32M
Peer Median: $9.48M
#329 of 2508
Top 13.1% in <100M tier
330
Net Worth Ratio
risk
Value:
23.54%
Peer Median: 14.28%
#330 of 2508
Top 13.1% in <100M tier
347
Net Interest Margin (NIM)
profitability
Value:
4.88%
Peer Median: 3.83%
#347 of 2508
Top 13.8% in <100M tier
418
Loan-to-Share Ratio
balance_sheet
Value:
81.27%
Peer Median: 58.72%
#418 of 2508
Top 16.6% in <100M tier
458
Total Assets
balance_sheet
Value:
$58.14M
Peer Median: $21.86M
#458 of 2508
Top 18.2% in <100M tier
567
Total Deposits
balance_sheet
Value:
$43.46M
Peer Median: $18.77M
#567 of 2508
Top 22.6% in <100M tier
Top Weaknesses (9 metrics)
2385
Net Charge-Off Rate
risk
Value:
2.48%
Peer Median: 0.07%
#2385 of 2508
Bottom 4.9% in <100M tier
2329
Total Delinquency Rate (60+ days)
risk
Value:
4.21%
Peer Median: 0.65%
#2329 of 2508
Bottom 7.2% in <100M tier
2307
Indirect Auto Concentration (%)
balance_sheet
Value:
10.96%
Peer Median: 0.00%
#2307 of 2508
Bottom 8.1% in <100M tier
2241
First Mortgage Concentration (%)
balance_sheet
Value:
44.33%
Peer Median: 3.66%
#2241 of 2508
Bottom 10.7% in <100M tier
2166
Deposit Growth Rate
growth
Value:
-6.28%
Peer Median: 0.66%
#2166 of 2508
Bottom 13.7% in <100M tier
2124
Loan Growth Rate
growth
Value:
-12.88%
Peer Median: -2.36%
#2124 of 2508
Bottom 15.4% in <100M tier
2085
Asset Growth Rate
growth
Value:
-4.28%
Peer Median: 1.30%
#2085 of 2508
Bottom 16.9% in <100M tier
2080
Member Growth Rate
growth
Value:
-5.01%
Peer Median: -1.37%
#2080 of 2508
Bottom 17.1% in <100M tier
2048
AMR Growth Rate
growth
Value:
-4.58%
Peer Median: 1.27%
#2048 of 2508
Bottom 18.4% in <100M tier