BlastPoint's Credit Union Scorecard
LANDMARK
Charter #66751 · WI
LANDMARK has 4 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 16.4% in tier
- + Asset Growth Rate: Top 6.1% in tier
- + Deposit Growth Rate: Top 6.1% in tier
- + Loan-to-Share Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.0% in tier
- - Indirect Auto Dependency: Bottom 17.9% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 4.59% above tier (higher cost structure)
- - Total Deposits: Bottom 6.1% in tier
- - Total Assets: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
405,291
+2.1% YoY+0.3% QoQ
|
-40.6K |
445,922
+0.4% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$7.5B
+10.5% YoY+2.1% QoQ
|
$-1.5B |
$8.9B
+0.9% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.1% in tier |
| Loans |
$6.1B
+5.9% YoY+2.7% QoQ
|
$-141.1M |
$6.3B
+0.8% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$6.1B
+11.3% YoY+2.1% QoQ
|
$-1.4B |
$7.5B
+1.2% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.0% in tier |
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| ROA |
0.9%
+36.3% YoY-0.4% QoQ
|
-0.1% |
1.0%
+27.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
2.9%
+7.0% YoY-0.2% QoQ
|
-0.1% |
3.0%
+12.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
69.4%
-5.1% YoY-0.1% QoQ
|
+4.6% |
64.8%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.5%
-10.0% YoY+0.8% QoQ
|
-0.2 |
0.7%
+5.5% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
100.4%
-4.8% YoY+0.5% QoQ
|
+17.0% |
83.4%
-0.6% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 9.1% in tier |
| AMR |
$30,126
+6.3% YoY+2.0% QoQ
|
$-4K |
$34,266
-1.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
34.2%
+6.3% YoY+1.2% QoQ
|
+5.1% | 29.1% | 21.5% | 19.8% | 70% |
| Indirect Auto % |
26.7%
-5.7% YoY-1.5% QoQ
|
+9.6% | 17.1% | 8.0% | 7.8% | 76% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)