BlastPoint's Credit Union Scorecard
SIMPLICITY
Charter #66678 · WI
SIMPLICITY has 6 strengths but faces 5 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.6% in tier
- + Organic Growth Leader: Top 28.6% in tier
- + Relationship Depth Leader: Top 35.9% in tier
- + Wallet Share Momentum: Top 35.9% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.4% in tier
- - Credit Risk Growth: Bottom 33.1% in tier
- - Credit Quality Pressure: Bottom 48.5% in tier
- - Delinquency rate 0.09% above tier average
- - Members Per Employee (MPE): Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,839
+2.1% YoY+0.6% QoQ
|
-9.2K |
38,079
-4.8% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$533.4M
+5.0% YoY+0.3% QoQ
|
$-86.2M |
$619.7M
-0.2% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$443.8M
+6.4% YoY+2.6% QoQ
|
+$24.4M |
$419.3M
-1.4% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$475.1M
+8.2% YoY+3.9% QoQ
|
$-64.3M |
$539.5M
-0.1% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
0.8%
-6.5% YoY-9.4% QoQ
|
+0.1% |
0.7%
+36.0% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
3.7%
+4.7% YoY+2.8% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
77.8%
+0.7% YoY+3.4% QoQ
|
-0.6% |
78.4%
-3.7% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
0.8%
+3.3% YoY-24.6% QoQ
|
+0.1 |
0.7%
-0.9% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
93.4%
-1.7% YoY-1.3% QoQ
|
+15.7% |
77.7%
-1.2% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 10.8% in tier |
| AMR |
$31,863
+5.1% YoY+2.6% QoQ
|
+$5K |
$26,927
+3.1% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
25.7%
+3.9% YoY+1.1% QoQ
|
+1.4% | 24.3% | 21.6% | 19.8% | 56% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)