BlastPoint's Credit Union Scorecard

LANDMARK

Charter #66751 · WI

Large 7B-10B

30 CUs in 7B-10B nationally 2 in WI

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LANDMARK has 5 strengths but faces 6 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

+ Organic Growth Engine: Top 29.0% in tier
+ Wallet Share Momentum: Top 82.3% in tier
+ Deposit Growth Rate: Top 0.0% in tier
+ Asset Growth Rate: Top 10.0% in tier
+ Net Charge-Off Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 3.0% in tier
- Liquidity Strain: Bottom 9.4% in tier
- ROA 0.11% below tier average
- Efficiency ratio 5.76% above tier (higher cost structure)
- Total Assets: Bottom 6.7% in tier
- Total Deposits: Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	403,917 +1.7% YoY+0.5% QoQ	-55.4K	459,296 +3.8% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	33%
Assets	$7.3B +8.9% YoY+2.6% QoQ	$-1.6B	$8.9B +1.2% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	Bottom 3.3% in tier
Loans	$6.0B +5.0% YoY+2.1% QoQ	$-383.2M	$6.3B +2.9% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	30%
Deposits	$6.0B +9.7% YoY+2.9% QoQ	$-1.5B	$7.5B +2.3% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	Bottom 3.3% 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	0.9% +23.9% YoY+0.3% QoQ	-0.1%	1.0% +22.1% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	50%
NIM	2.9% +8.7% YoY+0.8% QoQ	-0.1%	3.0% +11.5% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	47%
Efficiency Ratio	69.5% -4.1% YoY+0.0% QoQ	+5.8%	63.7% -2.2% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	63%
Delinquency Rate	0.5% -18.4% YoY+6.2% QoQ	-0.2	0.7% +10.8% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	30%
Loan To Share	99.8% -4.3% YoY-0.8% QoQ	+14.4%	85.4% +0.7% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	80%
AMR	$29,524 +5.5% YoY+2.0% QoQ	$-4K	$33,660 -2.9% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	47%
CD Concentration	33.8% +8.1% YoY+1.9% QoQ	+5.0%	28.9% -1.3% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	69%
Indirect Auto %	27.1% -8.1% YoY-0.8% QoQ	+10.5%	16.6% -10.3% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	77%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#44 of 50 • Top 29.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.69%

(Tier: 3.07%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.92%

(Tier: 0.91%, National: 0.71%)

better than tier avg

Indirect Auto %: 27.08%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY

Wallet Share Momentum

growth

#15 of 18 • Top 82.3% in tier

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

Why This Signature

AMR Growth (YoY): 5.49%

(Tier: 2.82%, National: 4.19%)

better than tier avg

18 of 64 Large CUs have this signature | 620 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#4 of 33 • Bottom 3.0% in tier

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

Why This Signature

Asset Growth (YoY): 8.86%

(Tier: 4.60%, National: 3.04%)

but better than tier avg

Indirect Auto %: 27.08%

(Tier: 16.60%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.69%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Liquidity Strain

risk

#9 of 32 • Bottom 9.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.85%

(Tier: 84.48%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 4.95%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

32 of 64 Large CUs have this signature | 484 nationally

→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 30 peers in tier

Top Strengths (6 metrics)

Deposit Growth Rate

growth

Value: 9.70%

Peer Avg: -

#1 of 30 Top 0.0% in 7B-10B tier

Asset Growth Rate

growth

Value: 8.86%

Peer Avg: -

#4 of 30 Top 10.0% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Avg: -

#4 of 30 Top 10.0% in 7B-10B tier

AMR Growth Rate

growth

Value: 5.49%

Peer Avg: -

#5 of 30 Top 13.3% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.85%

Peer Avg: -

#6 of 30 Top 16.7% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.81%

Peer Avg: -

#6 of 30 Top 16.7% in 7B-10B tier

Top Weaknesses (5 metrics)

Total Assets

balance_sheet

Value: $7.32B

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

Total Deposits

balance_sheet

Value: $5.97B

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

Net Worth Ratio

risk

Value: 10.66%

Peer Avg: -

#25 of 30 Bottom 20.0% in 7B-10B tier

Member Growth Rate

growth

Value: 1.69%

Peer Avg: -

#24 of 30 Bottom 23.3% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 33.82%

Peer Avg: -

#24 of 30 Bottom 23.3% in 7B-10B tier