BlastPoint's Credit Union Scorecard

WESTCONSIN

Charter #66742 · WI

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 5 in WI
View Mid-Market leaderboard →

WESTCONSIN demonstrates 4 strengths

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 53.7% in tier
  • + Organic Growth Leader: Top 53.7% in tier
  • + ROA 0.65% above tier average
  • + Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 127,327
+1.9% YoY+0.9% QoQ
 +31.3K 96,048
-2.7% YoY
 39,491
+5.5% YoY
 33,913
+5.7% YoY
 80%
Assets $2.2B
+8.1% YoY+1.6% QoQ
 +$477.7M $1.7B
+0.4% YoY
 $762.9M
+12.1% YoY
 $578.3M
+9.0% YoY
 77%
Loans $1.5B
+6.5% YoY+0.8% QoQ
 +$304.0M $1.2B
+0.2% YoY
 $579.7M
+11.3% YoY
 $402.4M
+8.7% YoY
 74%
Deposits $1.9B
+7.2% YoY+1.9% QoQ
 +$438.8M $1.5B
+0.5% YoY
 $643.6M
+11.9% YoY
 $494.3M
+9.1% YoY
 78%

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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 1.4%
+68.8% YoY+27.7% QoQ
 +0.6% 0.7%
+27.6% YoY
 0.3%
+1.8% YoY
 0.4%
-39.2% YoY
 Top 9.8% in tier
NIM 3.7%
+6.9% YoY+4.5% QoQ
 +0.4% 3.4%
+6.2% YoY
 3.4%
+8.2% YoY
 3.8%
+4.1% YoY
 75%
Efficiency Ratio 68.9%
-13.8% YoY-4.8% QoQ
 -5.7% 74.6%
-3.0% YoY
 77.2%
-0.5% YoY
 84.6%
+2.8% YoY
 26%
Delinquency Rate 0.6%
-26.7% YoY-18.3% QoQ
 -0.2 0.8%
+6.9% YoY
 0.7%
-8.9% YoY
 1.2%
+3.4% YoY
 46%
Loan To Share 79.7%
-0.6% YoY-1.1% QoQ
 -3.5% 83.2%
-0.4% YoY
 78.6%
-0.5% YoY
 65.6%
-1.4% YoY
 33%
AMR $26,876
+5.0% YoY+0.5% QoQ
 $-3K $29,652
+2.3% YoY
 $24,071
+7.1% YoY
 $19,920
+1.6% YoY
 42%
CD Concentration 21.0%
+0.9% YoY-2.7% QoQ
 -7.8% 28.8% 21.6% 19.8% 18%
Indirect Auto % 13.6%
-9.0% YoY+0.3% QoQ
 -4.5% 18.1% 8.0% 7.7% 45%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#61 of 115 • Top 53.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.87%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 1.36%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 13.60%
(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
#90 of 116 • Top 53.7% in tier

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

Why This Signature
Member Growth (YoY): 1.87%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 13.60%
(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

Concerns (0)

No concerns identified

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)

Comparing against 306 peers in tier

Top Strengths (9 metrics)

30
Return on Assets (ROA)
profitability
Value: 1.36%
Peer Median: 0.66%
#30 of 306 Top 9.5% in 1B-3B tier
57
Share Certificate Concentration (%)
balance_sheet
Value: 21.00%
Peer Median: 27.93%
#57 of 306 Top 18.3% in 1B-3B tier
60
Net Worth Ratio
risk
Value: 13.02%
Peer Median: 10.85%
#60 of 306 Top 19.3% in 1B-3B tier
62
Net Charge-Off Rate
risk
Value: 0.25%
Peer Median: 0.51%
#62 of 306 Top 19.9% in 1B-3B tier
62
Total Members
engagement
Value: 127,327
Peer Median: 85,918
#62 of 306 Top 19.9% in 1B-3B tier
69
Total Deposits
balance_sheet
Value: $1.90B
Peer Median: $1.31B
#69 of 306 Top 22.2% in 1B-3B tier
71
Total Assets
balance_sheet
Value: $2.20B
Peer Median: $1.51B
#71 of 306 Top 22.9% in 1B-3B tier
74
Asset Growth Rate
growth
Value: 8.11%
Peer Median: 4.82%
#74 of 306 Top 23.9% in 1B-3B tier
77
Net Interest Margin (NIM)
profitability
Value: 3.72%
Peer Median: 3.37%
#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (1 metrics)

236
Members Per Employee (MPE)
engagement
Value: 296.109
Peer Median: 345.077
#236 of 306 Bottom 23.2% in 1B-3B tier
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