BlastPoint's Credit Union Scorecard

FOX COMMUNITIES

Charter #66731 · WI

Mid-Market 3B-5B

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

View Mid-Market leaderboard →

FOX COMMUNITIES has 6 strengths but faces 1 concern

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 30.8% in tier
+ Organic Growth Leader: Top 30.8% in tier
+ Relationship Depth Leader: Top 31.1% in tier
+ Wallet Share Momentum: Top 31.1% in tier
+ ROA 0.51% above tier average
+ Total Delinquency Rate (60+ days): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	140,872 +4.0% YoY+0.4% QoQ	-79.6K	220,435 -7.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Bottom 9.0% in tier
Assets	$3.3B +7.2% YoY+2.3% QoQ	$-567.3M	$3.9B -1.5% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	26%
Loans	$2.6B +9.4% YoY+2.0% QoQ	$-264.6M	$2.9B -1.1% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	30%
Deposits	$2.6B +9.3% YoY+3.2% QoQ	$-667.8M	$3.3B -2.5% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	Bottom 10.3% 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	1.2% +50.2% YoY+25.0% QoQ	+0.5%	0.7% +10.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	82%
NIM	3.0% +10.8% YoY+5.1% QoQ	-0.2%	3.2% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	40%
Efficiency Ratio	65.6% -7.3% YoY-4.6% QoQ	-5.7%	71.3% -2.6% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	31%
Delinquency Rate	0.2% -2.1% YoY-4.1% QoQ	-0.5	0.7% +9.2% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	Top 7.7% in tier
Loan To Share	99.9% +0.1% YoY-1.2% QoQ	+12.0%	88.0% +0.9% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	82%
AMR	$37,329 +5.2% YoY+2.2% QoQ	+$7K	$30,672 +5.5% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	82%
CD Concentration	28.9% -3.9% YoY-1.6% QoQ	+0.0%	28.8%	21.6%	19.8%	52%
Indirect Auto %	9.1% +2.0% YoY-0.8% QoQ	-8.9%	18.1%	8.0%	7.7%	36%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#31 of 115 • Top 30.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.95%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 1.24%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 9.13%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#48 of 116 • Top 30.8% in tier

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

Why This Signature

Member Growth (YoY): 3.95%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 9.13%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Relationship Depth Leader

growth

#34 of 64 • Top 31.1% 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): 5.18%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $3.3K, National: $2.1K)

but worse than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#118 of 125 • Top 31.1% in tier

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

Why This Signature

AMR Growth (YoY): 5.18%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk

#28 of 148 • Bottom 11.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.94%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.37%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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 78 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.54%

#7 of 78 Top 7.7% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.46%

#11 of 78 Top 12.8% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,659

Peer Median: $13,137

#13 of 78 Top 15.4% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.75%

#14 of 78 Top 16.7% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.94%

Peer Median: 90.65%

#14 of 78 Top 16.7% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $37,329

Peer Median: $28,813

#14 of 78 Top 16.7% in 3B-5B tier

Deposit Growth Rate

growth

Value: 9.31%

Peer Median: 5.31%

#20 of 78 Top 24.4% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 9.13%

Peer Median: 18.10%

#20 of 78 Top 24.4% in 3B-5B tier

Top Weaknesses (3 metrics)

Total Members

engagement

Value: 140,872

Peer Median: 212,824

#71 of 78 Bottom 10.3% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 279.508

Peer Median: 393.414

#71 of 78 Bottom 10.3% in 3B-5B tier

Total Deposits

balance_sheet

Value: $2.63B

Peer Median: $3.34B

#70 of 78 Bottom 11.5% in 3B-5B tier