BlastPoint's Credit Union Scorecard
BADGER-GLOBE
Charter #66750 · WI
BADGER-GLOBE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 5.1% in tier
- + Loan-to-Member Ratio (LMR): Top 5.4% in tier
- + Fee Income Per Member: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 12.65% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - First Mortgage Concentration (%): Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,502
-2.8% YoY-0.6% QoQ
|
-113 |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$51.0M
-0.1% YoY-0.9% QoQ
|
+$20.9M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$28.7M
-6.7% YoY+0.4% QoQ
|
+$12.9M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$43.4M
+0.2% YoY-1.1% QoQ
|
+$17.7M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.1%
-25.4% YoY-81.9% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.1%
+5.3% YoY-0.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
95.2%
-0.3% YoY+9.7% QoQ
|
+12.7% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.5%
-12.6% YoY-75.9% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
66.0%
-6.9% YoY+1.5% QoQ
|
+5.4% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$28,804
+0.1% YoY+0.0% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 5.1% in tier |
| CD Concentration |
26.1%
+15.3% YoY+10.7% QoQ
|
+1.6% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)