BlastPoint's Credit Union Scorecard
GUARDIAN
Charter #66638 · WI
GUARDIAN has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.24% above tier average
- + Share Certificate Concentration (%): Top 2.9% in tier
- + First Mortgage Concentration (%): Top 8.7% 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 0.36% below tier average
- - Efficiency ratio 10.44% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Loan Growth Rate: Bottom 4.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
- Shares and deposits +0.5% year over year ($259M in shares and deposits).
- Membership: 24,923 members, -4.1% vs a year ago.
- Delinquency rate 0.42%.
- Return on assets 0.50%.
- Efficiency ratio 87.18% vs a 76.73% peer average.
- Loan-to-share ratio 60.78% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,923
-4.1% YoY-0.9% QoQ
|
+9.8K |
15,168
-2.6% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Top 12.3% in tier |
| Assets |
$294.2M
+0.8% YoY+1.0% QoQ
|
+$62.2M |
$232.0M
+0.7% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$157.6M
-7.5% YoY-1.0% QoQ
|
+$11.3M |
$146.3M
+0.2% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$259.3M
+0.5% YoY+0.8% QoQ
|
+$58.6M |
$200.7M
+0.2% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
73% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-27.1% YoY+5.4% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.9%
+3.7% YoY+1.6% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
87.2%
+9.9% YoY+1.2% QoQ
|
+10.4% |
76.7%
-0.8% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.4%
-2.2% YoY-2.0% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
60.8%
-8.0% YoY-1.7% QoQ
|
-10.8% |
71.5%
-0.3% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$16,725
+1.5% YoY+1.0% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration |
2.4%
-54.1% YoY-13.2% QoQ
|
-22.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
14.0%
-17.7% YoY-5.9% QoQ
|
+0.3% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)