BlastPoint's Credit Union Scorecard

SOUTHERN LAKES

Charter #66707 · WI

100M-500M

1024 CUs in 100M-500M nationally 27 in WI

SOUTHERN LAKES has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.60% above tier average
+ Share Certificate Concentration (%): Top 5.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.28% below tier average
- Efficiency ratio 12.13% above tier (higher cost structure)
- Fee Income Per Member: Bottom 5.4% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
Shares and deposits +4.3% year over year ($101M in shares and deposits).
Membership: 9,683 members, -1.8% vs a year ago.
Delinquency rate 0.73%.
Return on assets 0.59%.
Efficiency ratio 88.86% vs a 76.73% peer average.
Loan-to-share ratio 66.50% vs a 71.54% 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	9,683 -1.8% YoY0% QoQ	-5.5K	15,168 -2.6% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	30%
Assets	$112.6M +4.5% YoY-0.5% QoQ	$-119.4M	$232.0M +0.7% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	Bottom 8.3% in tier
Loans	$67.2M -6.3% YoY-2.5% QoQ	$-79.1M	$146.3M +0.2% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	Bottom 14.8% in tier
Deposits	$101.0M +4.3% YoY-0.3% QoQ	$-99.7M	$200.7M +0.2% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	Bottom 11.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +28.4% YoY-36.8% QoQ	-0.3%	0.9% +12.5% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	35%
NIM	4.3% -2.6% YoY-1.0% QoQ	+0.6%	3.7% +4.5% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	83%
Efficiency Ratio	88.9% +13.1% YoY-0.4% QoQ	+12.1%	76.7% -0.8% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	Bottom 14.3% in tier
Delinquency Rate	0.7% -17.4% YoY-15.5% QoQ	-0.2	0.9% +6.6% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	52%
Loan To Share	66.5% -10.1% YoY-2.2% QoQ	-5.0%	71.5% -0.3% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	36%
AMR	$17,375 +1.6% YoY-1.2% QoQ	$-8K	$25,107 +3.2% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	18%
CD Concentration	6.1% +0.9% YoY+6.8% QoQ	-18.4%	24.6%	21.6%	20.0%	50%
Indirect Auto %	34.1% +6.7% YoY+3.5% QoQ	+20.5%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#86 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.86%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#118 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.46%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 34.14%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Stagnation Risk

risk

#188 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.30%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.73%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#366 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY

Institutional Decline

decline

#174 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $112.60M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.30%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 6.12%

Peer Median: 23.39%

#57 of 1024 Top 5.5% in 100M-500M tier

164

First Mortgage Concentration (%)

balance_sheet

Value: 12.59%

Peer Median: 29.92%

#164 of 1024 Top 15.9% in 100M-500M tier

171

Net Interest Margin (NIM)

profitability

Value: 4.29%

Peer Median: 3.67%

#171 of 1024 Top 16.6% in 100M-500M tier

243

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.34%

#243 of 1024 Top 23.6% in 100M-500M tier

Top Weaknesses (10 metrics)

970

Fee Income Per Member

profitability

Value: $70.42

Peer Median: $159.88

#970 of 1024 Bottom 5.4% in 100M-500M tier

954

Loan Growth Rate

growth

Value: -6.30%

Peer Median: 3.02%

#954 of 1024 Bottom 6.9% in 100M-500M tier

939

Total Assets

balance_sheet

Value: $112.60M

Peer Median: $196.38M

#939 of 1024 Bottom 8.4% in 100M-500M tier

910

Total Deposits

balance_sheet

Value: $101.05M

Peer Median: $170.77M

#910 of 1024 Bottom 11.2% in 100M-500M tier

902

Indirect Auto Concentration (%)

balance_sheet

Value: 34.14%

Peer Median: 6.15%

#902 of 1024 Bottom 12.0% in 100M-500M tier

879

Efficiency Ratio

profitability

Value: 88.86%

Peer Median: 77.26%

#879 of 1024 Bottom 14.3% in 100M-500M tier

872

Total Loans

balance_sheet

Value: $67.20M

Peer Median: $124.04M

#872 of 1024 Bottom 14.9% in 100M-500M tier

841

Average Member Relationship (AMR)

engagement

Value: $17,375

Peer Median: $23,006

#841 of 1024 Bottom 18.0% in 100M-500M tier

806

Net Worth Ratio

risk

Value: 9.73%

Peer Median: 11.71%

#806 of 1024 Bottom 21.4% in 100M-500M tier

795

Loan-to-Member Ratio (LMR)

engagement

Value: $6,940

Peer Median: $9,434

#795 of 1024 Bottom 22.5% in 100M-500M tier