BlastPoint's Credit Union Scorecard
BREWERY
Charter #66637 · WI
BREWERY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.20% above tier average
- + Total Members: Top 4.0% in tier
- + Fee Income Per Member: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Delinquency rate 3.02% above tier average
- - Member decline: -4.0% YoY
- - Net Charge-Off Rate: Bottom 5.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,811
-4.0% YoY-1.7% QoQ
|
+5.2K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 4.0% in tier |
| Assets |
$58.6M
-0.8% YoY-2.8% QoQ
|
+$28.5M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$36.7M
-11.7% YoY-1.0% QoQ
|
+$20.9M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Top 13.0% in tier |
| Deposits |
$44.2M
-1.2% YoY-2.8% QoQ
|
+$18.5M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.2%
-68.4% YoY+65.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
5.2%
-6.9% YoY+2.2% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
80.2%
+8.5% YoY-0.5% QoQ
|
-2.4% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
4.6%
+106.4% YoY+12.2% QoQ
|
+3.0 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Top 7.0% in tier |
| Loan To Share |
83.0%
-10.6% YoY+1.8% QoQ
|
+22.4% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$10,359
-2.3% YoY-0.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
16.2%
-10.4% YoY-6.7% QoQ
|
-8.2% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
11.4%
-29.1% YoY-10.5% QoQ
|
-2.3% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)