BlastPoint's Credit Union Scorecard
BREWERY
Charter #66637 · WI
2596 CUs in <100M nationally
53 in WI
BREWERY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.11% above tier average
- + Total Members: Top 3.9% in tier
- + Fee Income Per Member: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Delinquency rate 2.57% above tier average
- - Member decline: -4.4% YoY
- - Net Charge-Off Rate: Bottom 5.1% in tier
- - Indirect Auto Concentration (%): Bottom 8.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,949
-4.4% YoY-0.5% QoQ
|
+5.3K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Top 3.9% in tier |
| Assets |
$60.3M
-3.3% YoY+1.0% QoQ
|
+$30.4M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$37.1M
-13.6% YoY-3.8% QoQ
|
+$21.3M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Top 12.6% in tier |
| Deposits |
$45.5M
-5.4% YoY+1.1% QoQ
|
+$20.0M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
79% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-71.1% YoY-239.5% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
5.0%
-4.1% YoY-0.3% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
80.6%
+6.7% YoY-0.4% QoQ
|
-0.8% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
4.1%
+93.7% YoY+92.7% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Top 8.2% in tier |
| Loan To Share |
81.5%
-8.7% YoY-4.8% QoQ
|
+20.3% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$10,387
-5.1% YoY-0.7% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
17.4%
+5.9% YoY-2.9% QoQ
|
-7.0% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.8%
-25.4% YoY-10.2% QoQ
|
-1.2% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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)
101
Total Members
engagement
Value:
7,949
Peer Avg: -
#101 of 2596
Top 3.9% in <100M tier
170
Fee Income Per Member
profitability
Value:
$198.75
Peer Avg: -
#170 of 2596
Top 6.5% in <100M tier
327
Total Loans
balance_sheet
Value:
$37.08M
Peer Avg: -
#327 of 2596
Top 12.6% in <100M tier
346
Net Interest Margin (NIM)
profitability
Value:
5.04%
Peer Avg: -
#346 of 2596
Top 13.3% in <100M tier
396
Net Worth Ratio
risk
Value:
22.58%
Peer Avg: -
#396 of 2596
Top 15.2% in <100M tier
436
Total Assets
balance_sheet
Value:
$60.29M
Peer Avg: -
#436 of 2596
Top 16.8% in <100M tier
529
Loan-to-Share Ratio
balance_sheet
Value:
81.54%
Peer Avg: -
#529 of 2596
Top 20.3% in <100M tier
546
Total Deposits
balance_sheet
Value:
$45.48M
Peer Avg: -
#546 of 2596
Top 21.0% in <100M tier
Top Weaknesses (10 metrics)
2465
Net Charge-Off Rate
risk
Value:
2.19%
Peer Avg: -
#2465 of 2596
Bottom 5.1% in <100M tier
2386
Indirect Auto Concentration (%)
balance_sheet
Value:
12.79%
Peer Avg: -
#2386 of 2596
Bottom 8.1% in <100M tier
2384
Total Delinquency Rate (60+ days)
risk
Value:
4.08%
Peer Avg: -
#2384 of 2596
Bottom 8.2% in <100M tier
2296
First Mortgage Concentration (%)
balance_sheet
Value:
42.32%
Peer Avg: -
#2296 of 2596
Bottom 11.6% in <100M tier
2253
Loan Growth Rate
growth
Value:
-13.65%
Peer Avg: -
#2253 of 2596
Bottom 13.3% in <100M tier
2175
Deposit Growth Rate
growth
Value:
-5.38%
Peer Avg: -
#2175 of 2596
Bottom 16.3% in <100M tier
2144
AMR Growth Rate
growth
Value:
-5.06%
Peer Avg: -
#2144 of 2596
Bottom 17.4% in <100M tier
2070
Member Growth Rate
growth
Value:
-4.45%
Peer Avg: -
#2070 of 2596
Bottom 20.3% in <100M tier
2069
Asset Growth Rate
growth
Value:
-3.28%
Peer Avg: -
#2069 of 2596
Bottom 20.3% in <100M tier
2049
Return on Assets (ROA)
profitability
Value:
0.13%
Peer Avg: -
#2049 of 2596
Bottom 21.1% in <100M tier