BlastPoint's Credit Union Scorecard
SIMPLICITY
Charter #66678 · WI
SIMPLICITY has 5 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 23.7% in tier
- + Organic Growth Engine: Top 23.7% in tier
- + Relationship Depth Leader: Top 31.3% in tier
- + Wallet Share Momentum: Top 31.3% in tier
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11.3% in tier
- - Credit Risk Growth: Bottom 23.7% in tier
- - Credit Quality Pressure: Bottom 43.9% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 3.22% above tier (higher cost structure)
- - Delinquency rate 0.41% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +9.0% year over year ($488M in shares and deposits).
- Membership: 29,138 members, +2.7% vs a year ago.
- Delinquency rate 1.22%.
- Return on assets 0.72%.
- Efficiency ratio 79.78% vs a 76.56% peer average.
- Loan-to-share ratio 93.20% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,138
+2.7% YoY+1.0% QoQ
|
-8.8K |
37,897
-5.0% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$546.7M
+5.3% YoY+2.5% QoQ
|
$-75.7M |
$622.4M
+0.6% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$454.4M
+8.3% YoY+2.4% QoQ
|
+$25.9M |
$428.5M
-0.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$487.5M
+9.0% YoY+2.6% QoQ
|
$-52.2M |
$539.8M
+0.9% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
25% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-23.6% YoY-11.1% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
3.7%
+3.9% YoY+0.2% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
79.8%
+4.9% YoY+2.6% QoQ
|
+3.2% |
76.6%
-3.6% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
1.2%
+5.0% YoY+53.9% QoQ
|
+0.4 |
0.8%
+3.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
93.2%
-0.7% YoY-0.2% QoQ
|
+13.9% |
79.3%
-1.4% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$32,326
+5.8% YoY+1.5% QoQ
|
+$5K |
$27,294
+4.1% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
27.0%
+9.3% YoY+5.4% QoQ
|
+2.5% | 24.6% | 21.6% | 20.0% | 61% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)