BlastPoint's Credit Union Scorecard

GUARDIAN

Charter #66638 · WI

1069 CUs in 100M-500M nationally 26 in WI

GUARDIAN has 2 strengths but faces 10 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 0.35% above tier average
+ Share Certificate Concentration (%): Top 4.1% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 26.8% in tier
- Stagnation Risk: Bottom 27.8% in tier
- Membership Headwinds: Bottom 37.6% in tier
- Efficiency Drag: Bottom 49.4% in tier
- Credit Quality Pressure: Bottom 70.9% in tier
- Indirect Auto Dependency: Bottom 96.0% in tier
- ROA 0.21% below tier average
- Efficiency ratio 5.71% above tier (higher cost structure)
- Member decline: -3.7% YoY
- Loan Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	25,427 -3.7% YoY-1.2% QoQ	+10.0K	15,437 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	Top 12.3% in tier
Assets	$285.8M +0.2% YoY-1.3% QoQ	+$54.0M	$231.9M +1.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	71%
Loans	$167.2M -5.6% YoY-0.7% QoQ	+$19.9M	$147.3M -0.1% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	66%
Deposits	$252.2M -0.2% YoY-1.4% QoQ	+$51.3M	$200.8M +0.8% YoY	$617.8M +12.3% YoY	$477.3M +9.7% 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	0.6% +5.3% YoY-15.2% QoQ	-0.2%	0.8% +18.2% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	36%
NIM	4.0% +4.4% YoY+2.4% QoQ	+0.3%	3.6% +6.7% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	70%
Efficiency Ratio	82.7% +1.8% YoY+2.6% QoQ	+5.7%	77.0% -3.1% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	0.5% +26.6% YoY+38.5% QoQ	-0.4	0.9% +4.2% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	34%
Loan To Share	66.3% -5.4% YoY+0.7% QoQ	-5.9%	72.2% -1.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	34%
AMR	$16,492 +1.3% YoY+0.1% QoQ	$-8K	$24,676 +3.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	Bottom 14.7% in tier
CD Concentration	4.1% -38.9% YoY-11.1% QoQ	-20.3%	24.4%	21.5%	19.8%	50%
Indirect Auto %	15.6% -12.2% YoY-3.4% QoQ	+1.8%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Institutional Decline

decline

#65 of 240 • Bottom 26.8% in tier

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

Why This Signature

Total Assets: $285.84M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -3.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.63%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#155 of 554 • Bottom 27.8% 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): -3.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.63%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.51%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#209 of 554 • Bottom 37.6% in tier

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

Why This Signature

Member Growth (YoY): -3.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#266 of 538 • Bottom 49.4% in tier

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

Why This Signature

Efficiency Ratio: 82.72%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -3.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#500 of 705 • Bottom 70.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#486 of 506 • Bottom 96.0% in tier

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

Why This Signature

Asset Growth (YoY): 0.25%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 15.64%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -3.72%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 4.13%

Peer Median: -

#45 of 1069 Top 4.1% in 100M-500M tier

110

First Mortgage Concentration (%)

balance_sheet

Value: 8.14%

Peer Median: -

#110 of 1069 Top 10.2% in 100M-500M tier

131

Total Members

engagement

Value: 25,427

Peer Median: -

#131 of 1069 Top 12.2% in 100M-500M tier

Top Weaknesses (6 metrics)

964

Loan Growth Rate

growth

Value: -5.63%

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

912

Average Member Relationship (AMR)

engagement

Value: $16,492

Peer Median: -

#912 of 1069 Bottom 14.8% in 100M-500M tier

902

Deposit Growth Rate

growth

Value: -0.24%

Peer Median: -

#902 of 1069 Bottom 15.7% in 100M-500M tier

898

Asset Growth Rate

growth

Value: 0.25%

Peer Median: -

#898 of 1069 Bottom 16.1% in 100M-500M tier

896

Member Growth Rate

growth

Value: -3.72%

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier

875

Loan-to-Member Ratio (LMR)

engagement

Value: $6,576

Peer Median: -

#875 of 1069 Bottom 18.2% in 100M-500M tier