BlastPoint's Credit Union Scorecard

FOX COMMUNITIES

Charter #66731 · WI

Mid-Market 3B-5B

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

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FOX COMMUNITIES has 6 strengths but faces 4 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

+ Relationship Depth Leader: Top 27.4% in tier
+ Wallet Share Momentum: Top 27.4% in tier
+ Organic Growth Engine: Top 30.1% in tier
+ Organic Growth Leader: Top 30.1% in tier
+ ROA 0.39% above tier average
+ Total Delinquency Rate (60+ days): Top 6.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.2% in tier
- Credit Risk Growth: Bottom 23.9% in tier
- Credit Quality Pressure: Bottom 56.7% in tier
- Members Per Employee (MPE): Bottom 6.5% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 5 that size in Wisconsin.
Shares and deposits +10.0% year over year ($2.66B in shares and deposits).
Membership: 142,543 members, +4.0% vs a year ago.
Delinquency rate 0.29%.
Return on assets 1.32%.
Efficiency ratio 65.02% vs a 69.45% peer average.
Loan-to-share ratio 102.23% vs a 90.24% 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	142,543 +4.0% YoY+1.2% QoQ	-74.0K	216,545 -9.5% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	Bottom 9.1% in tier
Assets	$3.4B +7.5% YoY+1.2% QoQ	$-514.1M	$3.9B -1.6% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	27%
Loans	$2.7B +10.2% YoY+3.6% QoQ	$-208.1M	$2.9B -1.2% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	32%
Deposits	$2.7B +10.0% YoY+1.3% QoQ	$-593.7M	$3.3B -2.6% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	16%

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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	1.3% +38.2% YoY+6.2% QoQ	+0.4%	0.9% +25.3% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	82%
NIM	3.1% +11.4% YoY+2.2% QoQ	-0.1%	3.2% +3.8% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	42%
Efficiency Ratio	65.0% -6.1% YoY-0.9% QoQ	-4.4%	69.5% -2.3% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	34%
Delinquency Rate	0.3% +3.0% YoY+34.5% QoQ	-0.5	0.8% +5.5% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	Top 6.5% in tier
Loan To Share	102.2% +0.2% YoY+2.3% QoQ	+12.0%	90.2% +0.9% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	83%
AMR	$37,789 +5.9% YoY+1.2% QoQ	+$7K	$31,018 +6.9% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	80%
CD Concentration	28.6% -5.1% YoY-0.8% QoQ	-0.4%	29.1%	21.6%	20.0%	49%
Indirect Auto %	9.2% +2.9% YoY+0.6% QoQ	-8.9%	18.1%	8.4%	7.7%	35%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#28 of 113 • Top 30.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.99%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 1.32%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 9.18%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Relationship Depth Leader

growth

#28 of 69 • Top 27.4% 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): 5.87%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Organic Growth Leader

growth

#48 of 112 • Top 30.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.99%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 9.18%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Wallet Share Momentum

growth

#102 of 125 • Top 27.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.87%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk

#24 of 168 • Bottom 11.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 102.23%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 10.21%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Credit Risk Growth

risk

#122 of 170 • Bottom 23.9% in tier

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

Why This Signature

Loan Growth (YoY): 10.21%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#211 of 215 • Bottom 56.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

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 77 peers in tier

Top Strengths (10 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.63%

#6 of 77 Top 6.5% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.47%

#9 of 77 Top 10.4% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.23%

Peer Median: 93.34%

#13 of 77 Top 15.6% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,103

Peer Median: $13,282

#13 of 77 Top 15.6% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.32%

Peer Median: 0.94%

#14 of 77 Top 16.9% in 3B-5B tier

Deposit Growth Rate

growth

Value: 9.98%

Peer Median: 5.62%

#14 of 77 Top 16.9% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $37,789

Peer Median: $28,880

#15 of 77 Top 18.2% in 3B-5B tier

AMR Growth Rate

growth

Value: 5.87%

Peer Median: 3.17%

#18 of 77 Top 22.1% in 3B-5B tier

Loan Growth Rate

growth

Value: 10.21%

Peer Median: 6.20%

#20 of 77 Top 24.7% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 9.18%

Peer Median: 18.00%

#20 of 77 Top 24.7% in 3B-5B tier

Top Weaknesses (3 metrics)

Members Per Employee (MPE)

engagement

Value: 271.510

Peer Median: 390.144

#73 of 77 Bottom 6.5% in 3B-5B tier

Total Members

engagement

Value: 142,543

Peer Median: 211,695

#70 of 77 Bottom 10.4% in 3B-5B tier

Total Deposits

balance_sheet

Value: $2.66B

Peer Median: $3.34B

#65 of 77 Bottom 16.9% in 3B-5B tier