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BlastPoint's Credit Union Scorecard

LANDMARK

Charter #66751 · WI

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

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.1% in tier
  • + ROA 0.13% above tier average
  • + Loan-to-Share Ratio: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 10.6% in tier
  • - Indirect Auto Dependency: Bottom 14.1% in tier

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 28 credit unions with $7B-$10B in assets nationally, and 1 of 2 that size in Wisconsin.
  • Shares and deposits +11.6% year over year ($6.47B in shares and deposits).
  • Membership: 407,868 members, +1.4% vs a year ago.
  • Delinquency rate 0.42%.
  • Return on assets 1.16%.
  • Efficiency ratio 65.11% vs a 66.07% peer average.
  • Loan-to-share ratio 99.23% vs a 81.29% 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 407,868
+1.4% YoY+0.3% QoQ
-31.0K 438,885
-1.1% YoY
40,085
+5.1% YoY
34,678
+6.6% YoY
43%
Assets $7.9B
+10.8% YoY+2.3% QoQ
$-1.0B $8.9B
+0.0% YoY
$782.0M
+12.1% YoY
$593.1M
+10.2% YoY
Bottom 10.7% in tier
Loans $6.4B
+10.1% YoY+2.8% QoQ
+$207.6M $6.2B
-0.6% YoY
$600.2M
+11.1% YoY
$418.6M
+10.1% YoY
43%
Deposits $6.5B
+11.6% YoY+2.3% QoQ
$-1.2B $7.7B
+2.7% YoY
$658.6M
+12.2% YoY
$504.8M
+10.3% YoY
Bottom 10.7% 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 1.2%
+26.5% YoY+11.7% QoQ
+0.1% 1.0%
+4.7% YoY
1.0%
+81.4% YoY
1.2%
+121.4% YoY
61%
NIM 3.0%
+3.2% YoY+1.4% QoQ
-0.1% 3.1%
+6.6% YoY
3.7%
+9.7% YoY
3.8%
+2.3% YoY
39%
Efficiency Ratio 65.1%
-6.3% YoY-0.8% QoQ
-1.0% 66.1%
+1.6% YoY
75.5%
-0.0% YoY
83.0%
-5.3% YoY
54%
Delinquency Rate 0.4%
-14.5% YoY+8.4% QoQ
-0.4 0.8%
+23.1% YoY
0.8%
-17.5% YoY
1.3%
+2.6% YoY
Top 14.3% in tier
Loan To Share 99.2%
-1.4% YoY+0.5% QoQ
+17.9% 81.3%
-3.8% YoY
79.3%
-0.8% YoY
66.4%
-1.4% YoY
Top 10.7% in tier
AMR $31,621
+9.3% YoY+2.2% QoQ
$-6K $37,279
+8.1% YoY
$24,272
+7.8% YoY
$20,028
-0.9% YoY
50%
CD Concentration 34.8%
+5.0% YoY+1.8% QoQ
+6.5% 28.3% 21.6% 20.0% 79%
Indirect Auto % 24.7%
-9.5% YoY-5.4% QoQ
+7.9% 16.8% 8.4% 7.7% 70%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#9 of 20 • 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): 9.28%
(Tier: 4.16%, National: 35.20%)
better than tier avg
20 of 67 Large CUs have this signature | 635 nationally
→ Stable (17→20 CUs) +3 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk
#6 of 28 • 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: 99.23%
(Tier: 84.03%, National: 66.39%)
but better than tier avg
Loan Growth (YoY): 10.08%
(Tier: 7.79%, National: 78.26%)
but better than tier avg
28 of 67 Large CUs have this signature | 432 nationally
→ Stable (27→28 CUs) +1 CUs YoY

Indirect Auto Dependency

risk
#8 of 35 • Bottom 14.1% in tier

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

Why This Signature
Asset Growth (YoY): 10.78%
(Tier: 8.71%, National: 3.30%)
but better than tier avg
Indirect Auto %: 24.69%
(Tier: 16.81%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 1.44%
(Tier: 4.24%, National: 15.67%)
worse than tier avg
35 of 67 Large CUs have this signature | 714 nationally
→ Stable (33→35 CUs) +2 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 28 peers in tier

Top Strengths (9 metrics)

3
Loan-to-Share Ratio
balance_sheet
Value: 99.23%
Peer Median: 83.58%
#3 of 28 Top 7.1% in 7B-10B tier
4
Asset Growth Rate
growth
Value: 10.78%
Peer Median: 4.49%
#4 of 28 Top 10.7% in 7B-10B tier
4
First Mortgage Concentration (%)
balance_sheet
Value: 21.32%
Peer Median: 37.58%
#4 of 28 Top 10.7% in 7B-10B tier
5
Deposit Growth Rate
growth
Value: 11.63%
Peer Median: 5.19%
#5 of 28 Top 14.3% in 7B-10B tier
5
AMR Growth Rate
growth
Value: 9.28%
Peer Median: 3.49%
#5 of 28 Top 14.3% in 7B-10B tier
5
Total Delinquency Rate (60+ days)
risk
Value: 0.42%
Peer Median: 0.71%
#5 of 28 Top 14.3% in 7B-10B tier
5
Net Charge-Off Rate
risk
Value: 0.24%
Peer Median: 0.42%
#5 of 28 Top 14.3% in 7B-10B tier
7
Loan Growth Rate
growth
Value: 10.08%
Peer Median: 4.76%
#7 of 28 Top 21.4% in 7B-10B tier
8
Loan-to-Member Ratio (LMR)
engagement
Value: $15,749
Peer Median: $13,051
#8 of 28 Top 25.0% in 7B-10B tier

Top Weaknesses (4 metrics)

25
Total Assets
balance_sheet
Value: $7.91B
Peer Median: $9.14B
#25 of 28 Bottom 14.3% in 7B-10B tier
25
Total Deposits
balance_sheet
Value: $6.47B
Peer Median: $7.79B
#25 of 28 Bottom 14.3% in 7B-10B tier
23
Share Certificate Concentration (%)
balance_sheet
Value: 34.84%
Peer Median: 26.96%
#23 of 28 Bottom 21.4% in 7B-10B tier
22
Indirect Auto Concentration (%)
balance_sheet
Value: 24.69%
Peer Median: 15.88%
#22 of 28 Bottom 25.0% in 7B-10B tier
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