BlastPoint's Credit Union Scorecard

GUARDIAN

Charter #66638 · WI

100M-500M

1070 CUs in 100M-500M nationally 26 in WI

GUARDIAN has 3 strengths but faces 8 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

+ Net Interest Margin 0.23% above tier average
+ Share Certificate Concentration (%): Top 3.0% in tier
+ First Mortgage Concentration (%): Top 9.8% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.25% below tier average
- Efficiency ratio 8.16% above tier (higher cost structure)
- Member decline: -4.0% YoY
- Loan Growth Rate: Bottom 5.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	25,140 -4.0% YoY-1.1% QoQ	+10.0K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Top 12.1% in tier
Assets	$291.2M -0.6% YoY+1.9% QoQ	+$59.5M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	72%
Loans	$159.2M -7.5% YoY-4.8% QoQ	+$15.0M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	65%
Deposits	$257.3M -0.9% YoY+2.1% QoQ	+$56.2M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	73%

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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	0.5% -36.9% YoY-13.5% QoQ	-0.2%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	35%
NIM	3.9% +2.3% YoY-2.3% QoQ	+0.2%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	86.2% +11.1% YoY+4.2% QoQ	+8.2%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	75%
Delinquency Rate	0.4% -3.3% YoY-16.6% QoQ	-0.3	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	34%
Loan To Share	61.9% -6.6% YoY-6.7% QoQ	-8.6%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	30%
AMR	$16,568 +0.5% YoY+0.5% QoQ	$-8K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Bottom 14.6% in tier
CD Concentration	2.8% -52.5% YoY-32.6% QoQ	-21.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	14.8% -23.3% YoY-5.1% QoQ	+1.0%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Institutional Decline

decline

#45 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $291.23M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.46%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#115 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.46%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.43%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#184 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#421 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 86.18%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.28% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 2.78%

Peer Median: 23.10%

#33 of 1070 Top 3.0% in 100M-500M tier

106

First Mortgage Concentration (%)

balance_sheet

Value: 7.94%

Peer Median: 29.47%

#106 of 1070 Top 9.8% in 100M-500M tier

129

Total Members

engagement

Value: 25,140

Peer Median: 13,200

#129 of 1070 Top 12.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1012

Loan Growth Rate

growth

Value: -7.46%

Peer Median: 2.93%

#1012 of 1070 Bottom 5.5% in 100M-500M tier

925

Asset Growth Rate

growth

Value: -0.57%

Peer Median: 3.91%

#925 of 1070 Bottom 13.6% in 100M-500M tier

914

Member Growth Rate

growth

Value: -3.96%

Peer Median: -0.06%

#914 of 1070 Bottom 14.7% in 100M-500M tier

914

Average Member Relationship (AMR)

engagement

Value: $16,568

Peer Median: $22,931

#914 of 1070 Bottom 14.7% in 100M-500M tier

903

Deposit Growth Rate

growth

Value: -0.87%

Peer Median: 3.30%

#903 of 1070 Bottom 15.7% in 100M-500M tier

894

Loan-to-Member Ratio (LMR)

engagement

Value: $6,332

Peer Median: $9,356

#894 of 1070 Bottom 16.5% in 100M-500M tier

812

AMR Growth Rate

growth

Value: 0.48%

Peer Median: 3.46%

#812 of 1070 Bottom 24.2% in 100M-500M tier

808

Efficiency Ratio

profitability

Value: 86.18%

Peer Median: 78.68%

#808 of 1070 Bottom 24.6% in 100M-500M tier