BlastPoint's Credit Union Scorecard

LANDMARK

Charter #66751 · WI

Large 7B-10B
29 CUs in 7B-10B nationally 2 in WI
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LANDMARK has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.1% in tier
  • + ROA 0.10% above tier average
  • + Loan-to-Share Ratio: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 10.6% in tier
  • - Indirect Auto Dependency: Bottom 17.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 406,664
+1.7% YoY+0.3% QoQ
 -30.2K 436,889
-2.3% YoY
 39,491
+5.5% YoY
 33,913
+5.7% YoY
 38%
Assets $7.7B
+10.2% YoY+3.3% QoQ
 $-1.2B $8.9B
-0.1% YoY
 $762.9M
+12.1% YoY
 $578.3M
+9.0% YoY
 Bottom 10.3% in tier
Loans $6.3B
+8.6% YoY+2.2% QoQ
 +$103.9M $6.1B
-1.1% YoY
 $579.7M
+11.3% YoY
 $402.4M
+8.7% YoY
 41%
Deposits $6.3B
+11.0% YoY+3.9% QoQ
 $-1.3B $7.7B
+1.8% YoY
 $643.6M
+11.9% YoY
 $494.3M
+9.1% YoY
 Bottom 6.9% in tier

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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 1.0%
+17.0% YoY+13.4% QoQ
 +0.1% 0.9%
+16.3% YoY
 0.3%
+1.8% YoY
 0.4%
-39.2% YoY
 66%
NIM 2.9%
+2.1% YoY+1.1% QoQ
 -0.1% 3.1%
+6.3% YoY
 3.4%
+8.2% YoY
 3.8%
+4.1% YoY
 38%
Efficiency Ratio 65.7%
-7.3% YoY-5.4% QoQ
 -0.4% 66.1%
-2.8% YoY
 77.2%
-0.5% YoY
 84.6%
+2.8% YoY
 48%
Delinquency Rate 0.4%
-11.0% YoY-26.3% QoQ
 -0.2 0.6%
+12.0% YoY
 0.7%
-8.9% YoY
 1.2%
+3.4% YoY
 28%
Loan To Share 98.8%
-2.1% YoY-1.6% QoQ
 +18.4% 80.4%
-3.4% YoY
 78.6%
-0.5% YoY
 65.6%
-1.4% YoY
 Top 10.3% in tier
AMR $30,931
+7.9% YoY+2.7% QoQ
 $-6K $37,056
+6.8% YoY
 $24,071
+7.1% YoY
 $19,920
+1.6% YoY
 52%
CD Concentration 34.2%
+4.9% YoY-0.0% QoQ
 +5.6% 28.6% 21.6% 19.8% 73%
Indirect Auto % 26.1%
-6.4% YoY-2.2% QoQ
 +9.7% 16.4% 8.0% 7.7% 77%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#9 of 15 • Top 14.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.95%
(Tier: 4.10%, National: 6.36%)
better than tier avg
15 of 66 Large CUs have this signature | 637 nationally
→ Stable (12→15 CUs) +3 CUs YoY

Concerns (2)

Indirect Auto Dependency

risk
#6 of 34 • Bottom 17.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 10.22%
(Tier: 8.53%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 26.09%
(Tier: 16.37%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.72%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
34 of 66 Large CUs have this signature | 745 nationally
→ Stable (34→34 CUs) | Rank improving

Liquidity Strain

risk
#6 of 26 • Bottom 10.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.77%
(Tier: 82.82%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 8.64%
(Tier: 7.53%, National: 1.74%)
but better than tier avg
26 of 66 Large CUs have this signature | 367 nationally
→ Stable (27→26 CUs) -1 CUs YoY

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 29 peers in tier

Top Strengths (6 metrics)

3
Loan-to-Share Ratio
balance_sheet
Value: 98.77%
Peer Median: 82.39%
#3 of 29 Top 6.9% in 7B-10B tier
4
Asset Growth Rate
growth
Value: 10.22%
Peer Median: 3.62%
#4 of 29 Top 10.3% in 7B-10B tier
4
Deposit Growth Rate
growth
Value: 10.98%
Peer Median: 4.66%
#4 of 29 Top 10.3% in 7B-10B tier
4
First Mortgage Concentration (%)
balance_sheet
Value: 21.46%
Peer Median: 37.49%
#4 of 29 Top 10.3% in 7B-10B tier
5
AMR Growth Rate
growth
Value: 7.95%
Peer Median: 2.29%
#5 of 29 Top 13.8% in 7B-10B tier
6
Net Charge-Off Rate
risk
Value: 0.28%
Peer Median: 0.45%
#6 of 29 Top 17.2% in 7B-10B tier

Top Weaknesses (4 metrics)

27
Total Deposits
balance_sheet
Value: $6.33B
Peer Median: $7.73B
#27 of 29 Bottom 10.3% in 7B-10B tier
26
Total Assets
balance_sheet
Value: $7.73B
Peer Median: $9.14B
#26 of 29 Bottom 13.8% in 7B-10B tier
23
Indirect Auto Concentration (%)
balance_sheet
Value: 26.09%
Peer Median: 17.02%
#23 of 29 Bottom 24.1% in 7B-10B tier
23
Share Certificate Concentration (%)
balance_sheet
Value: 34.23%
Peer Median: 25.99%
#23 of 29 Bottom 24.1% in 7B-10B tier
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