BlastPoint's Credit Union Scorecard
ALLOY EMPLOYEES
Charter #66660 · WI
2596 CUs in <100M nationally
53 in WI
ALLOY EMPLOYEES has 5 strengths but faces 14 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 2.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.35% below tier average
- - Efficiency ratio 81.73% above tier (higher cost structure)
- - Delinquency rate 17.26% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Total Deposits: Bottom 1.7% in tier
- - Total Assets: Bottom 2.0% in tier
- - Average Member Relationship (AMR): Bottom 2.1% in tier
- - Total Loans: Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
- - Total Members: Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165
+1.9% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 3.5% in tier |
| Assets |
$330,547
-4.1% YoY-0.5% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.9% in tier |
| Loans |
$73,053
-29.4% YoY-16.0% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.5% in tier |
| Deposits |
$191,856
-4.7% YoY-0.0% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.7% in tier |
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| ROA |
-1.7%
+200.8% YoY+24.9% QoQ
|
-2.4% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.8% in tier |
| NIM |
2.6%
-30.9% YoY+0.6% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.8% in tier |
| Efficiency Ratio |
163.1%
+42.5% YoY+8.1% QoQ
|
+81.7% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
18.8%
+281.9% YoY+3.1% QoQ
|
+17.3 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Top 1.3% in tier |
| Loan To Share |
38.1%
-25.9% YoY-16.0% QoQ
|
-23.2% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$1,606
-14.6% YoY-5.0% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
54
Net Worth Ratio
risk
Value:
41.26%
Peer Avg: -
#54 of 2596
Top 2.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
473
Member Growth Rate
growth
Value:
1.85%
Peer Avg: -
#473 of 2596
Top 18.2% in <100M tier
Top Weaknesses (17 metrics)
2564
Total Delinquency Rate (60+ days)
risk
Value:
18.77%
Peer Avg: -
#2564 of 2596
Bottom 1.3% in <100M tier
2553
Total Deposits
balance_sheet
Value:
$191,856
Peer Avg: -
#2553 of 2596
Bottom 1.7% in <100M tier
2546
Total Assets
balance_sheet
Value:
$330,547
Peer Avg: -
#2546 of 2596
Bottom 2.0% in <100M tier
2542
Average Member Relationship (AMR)
engagement
Value:
$1,606
Peer Avg: -
#2542 of 2596
Bottom 2.1% in <100M tier
2539
Efficiency Ratio
profitability
Value:
163.13%
Peer Avg: -
#2539 of 2596
Bottom 2.2% in <100M tier
2531
Total Loans
balance_sheet
Value:
$73,053
Peer Avg: -
#2531 of 2596
Bottom 2.5% in <100M tier
2529
Loan Growth Rate
growth
Value:
-29.35%
Peer Avg: -
#2529 of 2596
Bottom 2.6% in <100M tier
2514
Loan-to-Member Ratio (LMR)
engagement
Value:
$442.75
Peer Avg: -
#2514 of 2596
Bottom 3.2% in <100M tier
2505
Total Members
engagement
Value:
165
Peer Avg: -
#2505 of 2596
Bottom 3.5% in <100M tier
2498
Return on Assets (ROA)
profitability
Value:
-1.67%
Peer Avg: -
#2498 of 2596
Bottom 3.8% in <100M tier