BlastPoint's Credit Union Scorecard

SOUTHERN LAKES

Charter #66707 · WI

100M-500M

1070 CUs in 100M-500M nationally 26 in WI

SOUTHERN LAKES has 3 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

+ ROA 0.20% above tier average
+ Net Interest Margin 0.70% 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
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency ratio 11.18% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	9,683 -2.2% YoY+1.7% QoQ	-5.5K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	31%
Assets	$113.2M +4.6% YoY+3.7% QoQ	$-118.5M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Bottom 9.2% in tier
Loans	$69.0M -2.9% YoY-2.8% QoQ	$-75.2M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	16%
Deposits	$101.4M +4.5% YoY+3.6% QoQ	$-99.8M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	Bottom 11.3% 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	0.9% +73.6% YoY+103.6% QoQ	+0.2%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	66%
NIM	4.3% -1.2% YoY-3.5% QoQ	+0.7%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	Top 13.7% in tier
Efficiency Ratio	89.2% +15.7% YoY+12.8% QoQ	+11.2%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	83%
Delinquency Rate	0.9% +5.2% YoY-5.6% QoQ	+0.1	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	69%
Loan To Share	68.0% -7.1% YoY-6.2% QoQ	-2.4%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	42%
AMR	$17,590 +3.6% YoY-0.8% QoQ	$-7K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	19%
CD Concentration	5.7% -2.4% YoY+0.3% QoQ	-18.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	33.0% +3.2% YoY+1.4% QoQ	+19.2%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Indirect Auto Dependency

risk

#123 of 504 • 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): 4.64%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 32.98%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Stagnation Risk

risk

#179 of 570 • 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): -2.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.92%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.86%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#279 of 596 • 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: 89.20%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.39% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Membership Headwinds

decline

#339 of 570 • 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): -2.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#608 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Institutional Decline

decline

#218 of 250 • 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: $113.17M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -2.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.92%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | 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 1070 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 5.73%

Peer Median: 23.10%

#58 of 1070 Top 5.3% in 100M-500M tier

142

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: 0.35%

#142 of 1070 Top 13.2% in 100M-500M tier

147

Net Interest Margin (NIM)

profitability

Value: 4.33%

Peer Median: 3.62%

#147 of 1070 Top 13.6% in 100M-500M tier

175

First Mortgage Concentration (%)

balance_sheet

Value: 12.70%

Peer Median: 29.47%

#175 of 1070 Top 16.3% in 100M-500M tier

Top Weaknesses (10 metrics)

994

Fee Income Per Member

profitability

Value: $70.41

Peer Median: $154.95

#994 of 1070 Bottom 7.2% in 100M-500M tier

972

Total Assets

balance_sheet

Value: $113.17M

Peer Median: $196.57M

#972 of 1070 Bottom 9.3% in 100M-500M tier

949

Total Deposits

balance_sheet

Value: $101.37M

Peer Median: $171.29M

#949 of 1070 Bottom 11.4% in 100M-500M tier

932

Indirect Auto Concentration (%)

balance_sheet

Value: 32.98%

Peer Median: 6.61%

#932 of 1070 Bottom 13.0% in 100M-500M tier

895

Total Loans

balance_sheet

Value: $68.95M

Peer Median: $121.41M

#895 of 1070 Bottom 16.4% in 100M-500M tier

889

Efficiency Ratio

profitability

Value: 89.20%

Peer Median: 78.68%

#889 of 1070 Bottom 17.0% in 100M-500M tier

884

Loan Growth Rate

growth

Value: -2.92%

Peer Median: 2.93%

#884 of 1070 Bottom 17.5% in 100M-500M tier

867

Average Member Relationship (AMR)

engagement

Value: $17,590

Peer Median: $22,931

#867 of 1070 Bottom 19.1% in 100M-500M tier

826

Net Worth Ratio

risk

Value: 9.63%

Peer Median: 11.45%

#826 of 1070 Bottom 22.9% in 100M-500M tier

807

Loan-to-Member Ratio (LMR)

engagement

Value: $7,121

Peer Median: $9,356

#807 of 1070 Bottom 24.7% in 100M-500M tier