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
- + Wallet Share Momentum: Top 33.3% in tier
- + Organic Growth Engine: Top 54.8% in tier
- + Organic Growth Leader: Top 54.8% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +7.1% year over year ($1.94B in shares and deposits).
- Membership: 128,032 members, +1.6% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 1.12%.
- Efficiency ratio 68.43% vs a 73.02% peer average.
- Loan-to-share ratio 79.24% vs a 84.71% 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 |
128,032
+1.6% YoY+0.6% QoQ
|
+31.2K |
96,861
-1.9% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$2.2B
+7.8% YoY+2.2% QoQ
|
+$521.6M |
$1.7B
+0.4% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$1.5B
+6.2% YoY+1.3% QoQ
|
+$303.8M |
$1.2B
+0.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$1.9B
+7.1% YoY+1.9% QoQ
|
+$477.6M |
$1.5B
+0.5% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
1.1%
+23.1% YoY-18.2% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
3.8%
+7.7% YoY+1.8% QoQ
|
+0.4% |
3.4%
+6.6% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
68.4%
-11.4% YoY-0.7% QoQ
|
-4.6% |
73.0%
-2.7% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.6%
-21.5% YoY+8.9% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
79.2%
-0.8% YoY-0.6% QoQ
|
-5.5% |
84.7%
+0.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$27,172
+5.0% YoY+1.1% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
21.2%
-1.1% YoY+1.1% QoQ
|
-7.9% | 29.1% | 21.6% | 20.0% | 16% |
| Indirect Auto % |
13.4%
-7.3% YoY-1.2% QoQ
|
-4.6% | 18.1% | 8.4% | 7.7% | 44% |
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 (<15%). 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)