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 5 strengths but faces 3 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 15.5% in tier
+ Organic Growth Leader: Top 39.0% in tier
+ Relationship Depth Leader: Top 65.6% in tier
+ ROA 0.28% above tier average
+ Total Delinquency Rate (60+ days): Top 3.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.9% in tier
- Total Deposits: Bottom 3.9% in tier
- Total Members: Bottom 9.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	140,301 +4.6% YoY+0.8% QoQ	-90.1K	230,353 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	Bottom 7.9% in tier
Assets	$3.3B +8.7% YoY+1.2% QoQ	$-668.9M	$3.9B +0.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	Bottom 14.5% in tier
Loans	$2.6B +9.5% YoY+0.4% QoQ	$-357.3M	$2.9B -0.2% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	22%
Deposits	$2.5B +8.6% YoY+2.1% QoQ	$-763.1M	$3.3B -0.3% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	Bottom 2.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +24.4% YoY-3.3% QoQ	+0.3%	0.7% +16.8% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	68%
NIM	2.9% +20.3% YoY+1.2% QoQ	-0.3%	3.1% +9.8% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	34%
Efficiency Ratio	68.8% -4.5% YoY+1.0% QoQ	-2.7%	71.4% -1.4% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	0.2% -30.7% YoY-28.3% QoQ	-0.6	0.9% +5.8% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	Bottom 3.9% in tier
Loan To Share	101.2% +0.9% YoY-1.7% QoQ	+12.3%	88.9% -0.2% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	83%
AMR	$36,533 +4.2% YoY+0.5% QoQ	+$7K	$29,682 +1.5% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	82%
CD Concentration	29.4% -6.3% YoY-0.0% QoQ	+0.3%	29.0%	21.5%	19.8%	54%
Indirect Auto %	9.2% +4.5% YoY+1.1% QoQ	-9.1%	18.3%	8.0%	7.8%	36%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#39 of 247 • Top 15.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.65%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 1.00%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 9.20%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#56 of 142 • Top 39.0% in tier

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

Why This Signature

Member Growth (YoY): 4.65%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Indirect Auto %: 9.20%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Relationship Depth Leader

growth

#43 of 65 • Top 65.6% 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): 4.22%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk

#24 of 166 • Bottom 13.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 101.19%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.54%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: -

#4 of 76 Top 3.9% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

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

Loan-to-Member Ratio (LMR)

engagement

Value: $18,374

Peer Median: -

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

Loan-to-Share Ratio

balance_sheet

Value: 101.19%

Peer Median: -

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

Average Member Relationship (AMR)

engagement

Value: $36,533

Peer Median: -

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

Indirect Auto Concentration (%)

balance_sheet

Value: 9.20%

Peer Median: -

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

Top Weaknesses (5 metrics)

Total Deposits

balance_sheet

Value: $2.55B

Peer Median: -

#74 of 76 Bottom 3.9% in 3B-5B tier

Total Members

engagement

Value: 140,301

Peer Median: -

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

Members Per Employee (MPE)

engagement

Value: 282.296

Peer Median: -

#69 of 76 Bottom 10.5% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.27B

Peer Median: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Total Loans

balance_sheet

Value: $2.58B

Peer Median: -

#59 of 76 Bottom 23.7% in 3B-5B tier