BlastPoint's Credit Union Scorecard

MARINE

Charter #66752 · WI

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 5 in WI

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MARINE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.18% above tier average
+ Net Interest Margin 2.18% above tier average
+ Loan-to-Share Ratio: Top 2.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.1% in tier
- Efficiency Drag: Bottom 23.0% in tier
- Credit Quality Pressure: Bottom 45.5% in tier
- Credit Risk Growth: Bottom 62.9% in tier
- Stagnation Risk: Bottom 76.3% in tier
- Membership Headwinds: Bottom 76.3% in tier
- Efficiency ratio 6.43% above tier (higher cost structure)
- Delinquency rate 1.14% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	74,860 -0.5% YoY-0.1% QoQ	-21.2K	96,048 -2.7% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	36%
Assets	$1.1B +3.9% YoY+1.4% QoQ	$-615.1M	$1.7B +0.4% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Bottom 10.5% in tier
Loans	$869.8M +3.3% YoY+0.7% QoQ	$-343.9M	$1.2B +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	24%
Deposits	$812.7M +1.4% YoY+0.8% QoQ	$-652.8M	$1.5B +0.5% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	Bottom 0.3% 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% +36.4% YoY-0.5% QoQ	+0.2%	0.7% +27.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	70%
NIM	5.5% -3.3% YoY-2.5% QoQ	+2.2%	3.4% +6.2% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	Top 0.3% in tier
Efficiency Ratio	81.1% +0.0% YoY-0.1% QoQ	+6.4%	74.6% -3.0% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	1.9% +2.6% YoY-28.0% QoQ	+1.1	0.8% +6.9% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	Bottom 3.6% in tier
Loan To Share	107.0% +1.9% YoY-0.0% QoQ	+23.8%	83.2% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 2.3% in tier
AMR	$22,475 +2.9% YoY+0.8% QoQ	$-7K	$29,652 +2.3% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Bottom 15.0% in tier
CD Concentration	25.5% -7.0% YoY-6.8% QoQ	-3.3%	28.8%	21.6%	19.8%	37%
Indirect Auto %	6.8% -1.8% YoY-3.4% QoQ	-11.2%	18.1%	8.0%	7.7%	30%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Liquidity Strain

risk

#35 of 148 • Bottom 3.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 107.02%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.31%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Efficiency Drag

risk

#61 of 100 • Bottom 23.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.06%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Stagnation Risk

risk

#69 of 91 • Bottom 76.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.31%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.89%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk

#173 of 225 • Bottom 45.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk

#162 of 183 • Bottom 62.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.31%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Membership Headwinds

decline

#91 of 91 • Bottom 76.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.54%

Peer Median: 3.37%

#1 of 306 Top 0.1% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 107.02%

Peer Median: 85.31%

#7 of 306 Top 2.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $258.22

Peer Median: $191.54

#58 of 306 Top 18.6% in 1B-3B tier

Top Weaknesses (9 metrics)

305

Total Deposits

balance_sheet

Value: $812.72M

Peer Median: $1.31B

#305 of 306 Bottom 0.7% in 1B-3B tier

303

Members Per Employee (MPE)

engagement

Value: 183.032

Peer Median: 345.077

#303 of 306 Bottom 1.3% in 1B-3B tier

297

First Mortgage Concentration (%)

balance_sheet

Value: 64.53%

Peer Median: 33.05%

#297 of 306 Bottom 3.3% in 1B-3B tier

296

Total Delinquency Rate (60+ days)

risk

Value: 1.89%

Peer Median: 0.63%

#296 of 306 Bottom 3.6% in 1B-3B tier

274

Total Assets

balance_sheet

Value: $1.10B

Peer Median: $1.51B

#274 of 306 Bottom 10.8% in 1B-3B tier

260

Average Member Relationship (AMR)

engagement

Value: $22,475

Peer Median: $28,178

#260 of 306 Bottom 15.4% in 1B-3B tier

242

Deposit Growth Rate

growth

Value: 1.41%

Peer Median: 4.44%

#242 of 306 Bottom 21.2% in 1B-3B tier

233

Efficiency Ratio

profitability

Value: 81.06%

Peer Median: 75.16%

#233 of 306 Bottom 24.2% in 1B-3B tier

233

Total Loans

balance_sheet

Value: $869.78M

Peer Median: $1.11B

#233 of 306 Bottom 24.2% in 1B-3B tier