BlastPoint's Credit Union Scorecard

FOX COMMUNITIES

Charter #66731 · WI

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 5 in WI

View Mid-Market leaderboard →

FOX COMMUNITIES has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 4.8% in tier
+ Organic Growth Leader: Top 13.3% in tier
+ Relationship Depth Leader: Top 57.6% in tier
+ Credit Quality Leader: Top 60.6% in tier
+ Profitability Leader: Top 91.5% in tier
+ ROA 0.28% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.9% in tier
- Credit Risk Growth: Bottom 13.5% in tier
- Credit Quality Pressure: Bottom 24.2% in tier
- Total Deposits: Bottom 2.6% in tier
- Total Members: Bottom 6.6% in tier
- Members Per Employee (MPE): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	139,167 +4.7% YoY+1.5% QoQ	-99.3K	238,465 +0.6% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	Bottom 5.3% in tier
Assets	$3.2B +3.3% YoY+2.7% QoQ	$-735.9M	$4.0B -0.1% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	Bottom 10.5% in tier
Loans	$2.6B +12.8% YoY+3.9% QoQ	$-452.4M	$3.0B +3.3% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	21%
Deposits	$2.5B +5.1% YoY+3.0% QoQ	$-838.7M	$3.3B +1.1% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	Bottom 1.3% 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	1.0% +37.3% YoY+7.7% QoQ	+0.3%	0.7% +5.3% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	66%
NIM	2.8% +23.2% YoY+2.5% QoQ	-0.4%	3.2% +13.7% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	26%
Efficiency Ratio	68.1% -7.8% YoY-1.7% QoQ	-3.2%	71.3% -0.6% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	41%
Delinquency Rate	0.3% +9.0% YoY+11.4% QoQ	-0.5	0.8% +15.9% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	16%
Loan To Share	102.9% +7.4% YoY+0.9% QoQ	+12.0%	90.8% +2.0% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	84%
AMR	$36,366 +3.9% YoY+1.9% QoQ	+$7K	$29,088 +0.1% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	84%
CD Concentration	29.4% -8.3% YoY-2.7% QoQ	+0.4%	29.0% +0.7% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	53%
Indirect Auto %	9.1% +2.0% YoY+1.9% QoQ	-9.7%	18.8% -3.0% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	34%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#36 of 246 • Top 4.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.74%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.03%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 9.10%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth

#53 of 138 • Top 13.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.74%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 9.10%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Relationship Depth Leader

growth

#39 of 67 • Top 57.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.95%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Credit Quality Leader

growth

#58 of 95 • Top 60.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.32%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Profitability Leader

growth

#87 of 95 • Top 91.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.03%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk

#11 of 183 • Bottom 1.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.89%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 12.83%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Credit Risk Growth

risk

#76 of 161 • Bottom 13.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.83%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk

#186 of 217 • Bottom 24.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

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 76 peers in tier

Top Strengths (7 metrics)

Net Charge-Off Rate

risk

Value: 0.16%

Peer Avg: -

#9 of 76 Top 10.5% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,442

Peer Avg: -

#9 of 76 Top 10.5% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.89%

Peer Avg: -

#12 of 76 Top 14.5% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $36,366

Peer Avg: -

#12 of 76 Top 14.5% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Avg: -

#13 of 76 Top 15.8% in 3B-5B tier

Loan Growth Rate

growth

Value: 12.83%

Peer Avg: -

#14 of 76 Top 17.1% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 9.10%

Peer Avg: -

#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (5 metrics)

Total Deposits

balance_sheet

Value: $2.49B

Peer Avg: -

#75 of 76 Bottom 2.6% in 3B-5B tier

Total Members

engagement

Value: 139,167

Peer Avg: -

#72 of 76 Bottom 6.6% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 279.452

Peer Avg: -

#70 of 76 Bottom 9.2% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.23B

Peer Avg: -

#68 of 76 Bottom 11.8% in 3B-5B tier

Total Loans

balance_sheet

Value: $2.57B

Peer Avg: -

#60 of 76 Bottom 22.4% in 3B-5B tier