BlastPoint's Credit Union Scorecard
WESTCONSIN
Charter #66742 · WI
WESTCONSIN demonstrates 5 strengths
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 51.6% in tier
- + Wallet Share Momentum: Top 77.0% in tier
- + Organic Growth Leader: Top 80.8% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 0.29% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
126,216
+1.7% YoY-0.6% QoQ
|
+28.8K |
97,431
-2.4% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$2.2B
+10.5% YoY+1.3% QoQ
|
+$440.6M |
$1.7B
+0.9% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$1.5B
+7.0% YoY+2.8% QoQ
|
+$271.8M |
$1.2B
+0.5% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$1.9B
+8.7% YoY+0.9% QoQ
|
+$409.8M |
$1.5B
+0.9% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
1.1%
+60.6% YoY+8.8% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.6%
+8.8% YoY+0.6% QoQ
|
+0.3% |
3.3%
+9.2% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
72.3%
-9.4% YoY-2.9% QoQ
|
-1.7% |
74.1%
-9.5% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.7%
-20.5% YoY-12.1% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
80.6%
-1.5% YoY+1.8% QoQ
|
-4.2% |
84.8%
-0.8% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$26,743
+6.2% YoY+2.3% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
21.6%
+12.1% YoY-2.1% QoQ
|
-7.5% | 29.0% | 21.5% | 19.8% | 18% |
| Indirect Auto % |
13.6%
-12.9% YoY-2.6% QoQ
|
-4.8% | 18.3% | 8.0% | 7.8% | 45% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (0)
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)