BlastPoint's Credit Union Scorecard
WESTCONSIN
Charter #66742 · WI
WESTCONSIN has 5 strengths but faces 1 concern
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.4% in tier
- + Organic Growth Leader: Top 21.4% in tier
- + Wallet Share Momentum: Top 96.5% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.51% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
126,934
+2.6% YoY+0.7% QoQ
|
+28.3K |
98,678
-1.9% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$2.1B
+9.7% YoY+2.6% QoQ
|
+$417.5M |
$1.7B
+0.5% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$1.5B
+5.8% YoY+1.3% QoQ
|
+$232.8M |
$1.2B
+0.5% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$1.9B
+9.5% YoY+2.2% QoQ
|
+$397.6M |
$1.5B
+1.3% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
1.0%
+82.1% YoY+8.4% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
75% |
| NIM |
3.5%
+10.3% YoY+0.7% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
74.5%
-9.9% YoY-3.5% QoQ
|
+0.5% |
74.0%
-10.9% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.8%
-0.1% YoY+0.5% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
79.1%
-3.3% YoY-0.9% QoQ
|
-6.0% |
85.2%
-0.8% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$26,138
+5.1% YoY+1.0% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
22.0%
+21.0% YoY+2.6% QoQ
|
-6.9% |
29.0%
+0.7% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
20% |
| Indirect Auto % |
13.9%
-15.5% YoY-3.9% QoQ
|
-4.8% |
18.8%
-3.0% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
45% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)