BlastPoint's Credit Union Scorecard

PROSPERA

Charter #66652 · WI

100M-500M

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

PROSPERA has 3 strengths but faces 6 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Total Loans: Top 5.5% in tier
+ Loan-to-Share Ratio: Top 5.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Efficiency ratio 7.13% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	21,439 -0.4% YoY-0.3% QoQ	+6.0K	15,437 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	80%
Assets	$374.5M +2.6% YoY+1.9% QoQ	+$142.6M	$231.9M +1.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	Top 14.8% in tier
Loans	$307.4M +0.7% YoY-0.1% QoQ	+$160.1M	$147.3M -0.1% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	Top 5.6% in tier
Deposits	$319.8M +1.9% YoY+1.5% QoQ	+$118.9M	$200.8M +0.8% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	85%

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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% +204.4% YoY-2.8% QoQ	-0.3%	0.8% +18.2% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	28%
NIM	3.5% +6.7% YoY+0.3% QoQ	-0.1%	3.6% +6.7% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	43%
Efficiency Ratio	84.1% -7.7% YoY+0.0% QoQ	+7.1%	77.0% -3.1% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	75%
Delinquency Rate	0.3% +13.0% YoY+27.9% QoQ	-0.6	0.9% +4.2% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	17%
Loan To Share	96.1% -1.1% YoY-1.6% QoQ	+23.9%	72.2% -1.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	Top 5.8% in tier
AMR	$29,253 +1.7% YoY+1.0% QoQ	+$5K	$24,676 +3.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	80%
CD Concentration	21.5% +5.8% YoY-1.2% QoQ	-2.9%	24.4%	21.5%	19.8%	50%
Indirect Auto %	4.6% -16.8% YoY+0.4% QoQ	-9.2%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#248 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.70%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.3K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk

#236 of 538 • 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: 84.15%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.31% points

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

but better than tier avg

Member Growth (YoY): -0.38%

(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 worsening

Liquidity Strain

risk

#135 of 228 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.14%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 0.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#628 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% 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 | New qualifier

Credit Risk Growth

risk

#452 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

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

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | 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 1069 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $307.41M

Peer Median: -

#60 of 1069 Top 5.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.14%

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

137

Loan-to-Member Ratio (LMR)

engagement

Value: $14,339

Peer Median: -

#137 of 1069 Top 12.7% in 100M-500M tier

158

Total Assets

balance_sheet

Value: $374.51M

Peer Median: -

#158 of 1069 Top 14.7% in 100M-500M tier

165

Total Deposits

balance_sheet

Value: $319.75M

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

179

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: -

#179 of 1069 Top 16.7% in 100M-500M tier

215

Total Members

engagement

Value: 21,439

Peer Median: -

#215 of 1069 Top 20.0% in 100M-500M tier

218

Average Member Relationship (AMR)

engagement

Value: $29,253

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

Top Weaknesses (4 metrics)

921

Net Worth Ratio

risk

Value: 9.04%

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier

907

First Mortgage Concentration (%)

balance_sheet

Value: 48.45%

Peer Median: -

#907 of 1069 Bottom 15.2% in 100M-500M tier

850

Members Per Employee (MPE)

engagement

Value: 255.226

Peer Median: -

#850 of 1069 Bottom 20.6% in 100M-500M tier

805

Efficiency Ratio

profitability

Value: 84.15%

Peer Median: -

#805 of 1069 Bottom 24.8% in 100M-500M tier