BlastPoint's Credit Union Scorecard

GUARDIAN

Charter #66638 · WI

1077 CUs in 100M-500M nationally 27 in WI

GUARDIAN has 3 strengths but faces 12 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 94.7% in tier
+ Net Interest Margin 0.28% above tier average
+ Share Certificate Concentration (%): Top 4.2% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 7.1% in tier
- Membership Headwinds: Bottom 10.8% in tier
- Stagnation Risk: Bottom 16.7% in tier
- Efficiency Drag: Bottom 25.2% in tier
- Credit Quality Pressure: Bottom 28.2% in tier
- Indirect Auto Dependency: Bottom 31.3% in tier
- Flatlined Growth: Bottom 42.7% in tier
- ROA 0.13% below tier average
- Efficiency ratio 3.35% above tier (higher cost structure)
- Member decline: -3.8% YoY
- Loan Growth Rate: Bottom 9.0% in tier
- Deposit Growth Rate: Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	25,735 -3.8% YoY-1.0% QoQ	+10.1K	15,628 -3.4% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	Top 12.1% in tier
Assets	$289.7M -1.2% YoY-0.7% QoQ	+$58.4M	$231.3M -0.0% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	71%
Loans	$168.4M -6.3% YoY-1.2% QoQ	+$20.6M	$147.8M -1.4% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	67%
Deposits	$255.8M -2.0% YoY-0.9% QoQ	+$55.5M	$200.3M -0.0% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	72%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +28.1% YoY-5.6% QoQ	-0.1%	0.8% +15.5% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	42%
NIM	3.9% +6.1% YoY+2.1% QoQ	+0.3%	3.6% +6.9% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	66%
Efficiency Ratio	80.6% -0.6% YoY+1.6% QoQ	+3.4%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	63%
Delinquency Rate	0.4% +4.2% YoY-13.5% QoQ	-0.5	0.9% +7.6% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	24%
Loan To Share	65.8% -4.4% YoY-0.3% QoQ	-6.9%	72.7% -1.5% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	32%
AMR	$16,484 +0.0% YoY-0.0% QoQ	$-8K	$24,363 +2.9% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	16%
CD Concentration	4.6% -36.5% YoY-11.7% QoQ	-19.8%	24.4% +4.2% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.2% -11.5% YoY-4.5% QoQ	+2.2%	14.0% -5.7% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#322 of 340 • Top 94.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.37%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (7)

Institutional Decline

decline

#57 of 256 • Bottom 7.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $289.72M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -3.82%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.35%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#178 of 550 • Bottom 10.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#276 of 550 • Bottom 16.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.82%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.35%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.37%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY

Efficiency Drag

risk

#445 of 521 • Bottom 25.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.63%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -3.82%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#698 of 736 • Bottom 28.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#503 of 525 • Bottom 31.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -1.24%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 16.19%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -3.82%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Flatlined Growth

risk

#45 of 58 • Bottom 42.7% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -1.24%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.65%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 4.64%

Peer Avg: -

#46 of 1077 Top 4.2% in 100M-500M tier

114

First Mortgage Concentration (%)

balance_sheet

Value: 8.10%

Peer Avg: -

#114 of 1077 Top 10.5% in 100M-500M tier

130

Total Members

engagement

Value: 25,735

Peer Avg: -

#130 of 1077 Top 12.0% in 100M-500M tier

262

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Avg: -

#262 of 1077 Top 24.2% in 100M-500M tier

Top Weaknesses (7 metrics)

981

Loan Growth Rate

growth

Value: -6.35%

Peer Avg: -

#981 of 1077 Bottom 9.0% in 100M-500M tier

978

Deposit Growth Rate

growth

Value: -2.03%

Peer Avg: -

#978 of 1077 Bottom 9.3% in 100M-500M tier

934

Asset Growth Rate

growth

Value: -1.24%

Peer Avg: -

#934 of 1077 Bottom 13.4% in 100M-500M tier

925

Member Growth Rate

growth

Value: -3.82%

Peer Avg: -

#925 of 1077 Bottom 14.2% in 100M-500M tier

905

Average Member Relationship (AMR)

engagement

Value: $16,484

Peer Avg: -

#905 of 1077 Bottom 16.1% in 100M-500M tier

878

Loan-to-Member Ratio (LMR)

engagement

Value: $6,544

Peer Avg: -

#878 of 1077 Bottom 18.6% in 100M-500M tier

838

AMR Growth Rate

growth

Value: 0.02%

Peer Avg: -

#838 of 1077 Bottom 22.3% in 100M-500M tier