BlastPoint's Credit Union Scorecard
ALLOY EMPLOYEES
Charter #66660 · WI
2556 CUs in <100M nationally
52 in WI
ALLOY EMPLOYEES has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.85% below tier average
- - Efficiency ratio 118.39% above tier (higher cost structure)
- - Delinquency rate 67.55% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
- - Total Deposits: Bottom 1.6% in tier
- - Total Assets: Bottom 1.7% in tier
- - Average Member Relationship (AMR): Bottom 1.9% in tier
- - Total Loans: Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Members: Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165
+1.9% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.5% in tier |
| Assets |
$327,515
+2.5% YoY-0.9% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.7% in tier |
| Loans |
$66,931
-23.7% YoY-8.4% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.4% in tier |
| Deposits |
$191,121
+7.5% YoY-0.4% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.5% in tier |
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| ROA |
-2.2%
+198.7% YoY+33.4% QoQ
|
-2.9% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.9% in tier |
| NIM |
2.2%
-43.4% YoY-16.6% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio |
200.9%
+68.7% YoY+23.2% QoQ
|
+118.4% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 1.0% in tier |
| Delinquency Rate |
69.1%
+714.2% YoY+268.2% QoQ
|
+67.6 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Top 0.5% in tier |
| Loan To Share |
35.0%
-29.1% YoY-8.0% QoQ
|
-25.6% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.6% in tier |
| AMR |
$1,564
-4.6% YoY-2.6% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
55
Net Worth Ratio
risk
Value:
40.67%
Peer Median: -
#55 of 2556
Top 2.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
389
Deposit Growth Rate
growth
Value:
7.54%
Peer Median: -
#389 of 2556
Top 15.2% in <100M tier
442
Member Growth Rate
growth
Value:
1.85%
Peer Median: -
#442 of 2556
Top 17.3% in <100M tier
Top Weaknesses (15 metrics)
2543
Total Delinquency Rate (60+ days)
risk
Value:
69.11%
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2531
Efficiency Ratio
profitability
Value:
200.95%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2517
Total Deposits
balance_sheet
Value:
$191,121
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2513
Total Assets
balance_sheet
Value:
$327,515
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2508
Average Member Relationship (AMR)
engagement
Value:
$1,564
Peer Median: -
#2508 of 2556
Bottom 1.9% in <100M tier
2495
Total Loans
balance_sheet
Value:
$66,931
Peer Median: -
#2495 of 2556
Bottom 2.4% in <100M tier
2486
Loan-to-Member Ratio (LMR)
engagement
Value:
$405.64
Peer Median: -
#2486 of 2556
Bottom 2.8% in <100M tier
2483
Return on Assets (ROA)
profitability
Value:
-2.23%
Peer Median: -
#2483 of 2556
Bottom 2.9% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2465
Total Members
engagement
Value:
165
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier