BlastPoint's Credit Union Scorecard
SIMPLICITY
Charter #66678 · WI
SIMPLICITY has 7 strengths but faces 4 concerns
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 42.6% in tier
- + Relationship Depth Leader: Top 47.9% in tier
- + Organic Growth Leader: Top 64.0% in tier
- + Wallet Share Momentum: Top 97.5% in tier
- + ROA 0.24% above tier average
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 58.6% in tier
- - Credit Quality Pressure: Bottom 90.9% in tier
- - Credit Risk Growth: Bottom 91.9% in tier
- - Delinquency rate 0.21% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,658
+1.9% YoY+0.4% QoQ
|
-9.9K |
38,575
-4.8% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$531.8M
+6.4% YoY+1.9% QoQ
|
$-89.9M |
$621.7M
+0.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.5% in tier |
| Loans |
$432.7M
+3.7% YoY+0.6% QoQ
|
+$2.9M |
$429.8M
-1.8% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$457.5M
+10.4% YoY+1.5% QoQ
|
$-81.2M |
$538.7M
+0.6% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.1% in tier |
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| ROA |
0.9%
+60.0% YoY-5.8% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
3.6%
+11.1% YoY+0.3% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
75.2%
-10.1% YoY+0.6% QoQ
|
-2.3% |
77.5%
-4.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
1.1%
+3.0% YoY-18.0% QoQ
|
+0.2 |
0.8%
-1.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
94.6%
-6.1% YoY-0.9% QoQ
|
+14.7% |
79.8%
-2.3% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 12.1% in tier |
| AMR |
$31,063
+5.1% YoY+0.7% QoQ
|
+$4K |
$26,849
+2.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
25.4%
+4.3% YoY-0.4% QoQ
|
+1.0% | 24.4% | 21.5% | 19.8% | 54% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | Bottom 0.0% 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 (<20%). 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 Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)