BlastPoint's Credit Union Scorecard
SOUTHERN LAKES
Charter #66707 · WI
SOUTHERN LAKES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.88% above tier average
- + Share Certificate Concentration (%): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 2.08% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Fee Income Per Member: Bottom 5.7% in tier
- - Total Assets: Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,519
-3.9% YoY-1.7% QoQ
|
-5.9K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$109.1M
+4.0% YoY+1.5% QoQ
|
$-122.7M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.3% in tier |
| Loans |
$70.9M
+0.7% YoY-0.1% QoQ
|
$-76.4M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$97.8M
+3.7% YoY+1.7% QoQ
|
$-103.0M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.0% in tier |
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| ROA |
0.5%
+4.0% YoY-13.8% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
4.5%
+4.3% YoY+0.2% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
79.1%
-2.2% YoY-0.4% QoQ
|
+2.1% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.9%
-27.3% YoY+11.0% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
72.5%
-2.9% YoY-1.8% QoQ
|
+0.3% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$17,727
+6.6% YoY+2.7% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
5.7%
-2.4% YoY-1.5% QoQ
|
-18.7% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
32.5%
-4.4% YoY+1.0% QoQ
|
+18.7% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)