BlastPoint's Credit Union Scorecard
SCHOOL EMPLOYEES
Charter #66662 · WI
SCHOOL EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Efficiency ratio 2.76% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 9.2% in tier
- - Fee Income Per Member: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
556
+1.3% YoY+0.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$2.3M
+1.4% YoY-1.9% QoQ
|
$-27.8M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.6% in tier |
| Loans |
$1.8M
-11.3% YoY-2.5% QoQ
|
$-13.9M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$1.9M
+6.3% YoY-2.2% QoQ
|
$-23.8M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.2% in tier |
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| ROA |
0.6%
+1.7% YoY-35.6% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
4.1%
-6.8% YoY-2.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
85.3%
+11.0% YoY+9.8% QoQ
|
+2.8% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.2%
-71.3% YoY-88.9% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
94.0%
-16.6% YoY-0.4% QoQ
|
+33.4% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 7.4% in tier |
| AMR |
$6,733
-4.2% YoY-2.5% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.0% in tier |
| CD Concentration |
27.9%
+34.3% YoY-1.4% QoQ
|
+3.5% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)