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BlastPoint's Credit Union Scorecard

COMPASSIONATE CARE

Charter #66755 · WI

<100M
2437 CUs in <100M nationally 49 in WI

COMPASSIONATE CARE has 3 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.93% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + AMR Growth Rate: Top 4.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.77% below tier average
  • - Efficiency ratio 5.52% above tier (higher cost structure)
  • - Member decline: -7.9% YoY
  • - Net Charge-Off Rate: Bottom 3.6% in tier
  • - Member Growth Rate: Bottom 9.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
  • Shares and deposits +7.5% year over year ($6.2M in shares and deposits).
  • Membership: 1,053 members, -7.9% vs a year ago.
  • Delinquency rate 0.00%.
  • Return on assets 0.72%.
  • Efficiency ratio 94.28% vs a 88.77% peer average.
  • Loan-to-share ratio 66.05% vs a 58.89% 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 1,053
-7.9% YoY-1.0% QoQ
-1.5K 2,585
-1.7% YoY
40,085
+5.1% YoY
34,678
+6.6% YoY
30%
Assets $6.9M
+5.9% YoY+1.1% QoQ
$-23.4M $30.3M
+1.5% YoY
$782.0M
+12.1% YoY
$593.1M
+10.2% YoY
25%
Loans $4.1M
+8.6% YoY+6.3% QoQ
$-11.4M $15.5M
-1.7% YoY
$600.2M
+11.1% YoY
$418.6M
+10.1% YoY
30%
Deposits $6.2M
+7.5% YoY+1.5% QoQ
$-19.6M $25.8M
+1.1% YoY
$658.6M
+12.2% YoY
$504.8M
+10.3% YoY
26%

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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 0.7%
-210.6% QoQ
-0.8% 1.5%
+241.5% YoY
1.0%
+81.4% YoY
1.2%
+121.4% YoY
45%
NIM 4.8%
-2.9% YoY-0.6% QoQ
+0.9% 3.9%
+0.9% YoY
3.7%
+9.7% YoY
3.8%
+2.3% YoY
Top 14.7% in tier
Efficiency Ratio 94.3%
+3.0% YoY-0.2% QoQ
+5.5% 88.8%
-6.9% YoY
75.5%
-0.0% YoY
83.0%
-5.3% YoY
79%
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
-1.5 1.5%
+2.1% YoY
0.8%
-17.5% YoY
1.3%
+2.6% YoY
Top 0.1% in tier
Loan To Share 66.0%
+1.0% YoY+4.8% QoQ
+7.2% 58.9%
-3.1% YoY
79.3%
-0.8% YoY
66.4%
-1.4% YoY
61%
AMR $9,705
+17.2% YoY+4.4% QoQ
$-5K $14,963
-6.8% YoY
$24,272
+7.8% YoY
$20,028
-0.9% YoY
26%
CD Concentration 13.2%
+69.0% YoY+15.8% QoQ
-11.3% 24.6% 21.6% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 8.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2437 peers in tier

Top Strengths (7 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.70%
#1 of 2437 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
98
AMR Growth Rate
growth
Value: 17.16%
Peer Median: 1.04%
#98 of 2437 Top 4.0% in <100M tier
290
Loan Growth Rate
growth
Value: 8.57%
Peer Median: -2.63%
#290 of 2437 Top 11.9% in <100M tier
349
Deposit Growth Rate
growth
Value: 7.52%
Peer Median: 0.92%
#349 of 2437 Top 14.3% in <100M tier
359
Net Interest Margin (NIM)
profitability
Value: 4.82%
Peer Median: 3.87%
#359 of 2437 Top 14.7% in <100M tier
491
Asset Growth Rate
growth
Value: 5.94%
Peer Median: 1.25%
#491 of 2437 Top 20.1% in <100M tier

Top Weaknesses (5 metrics)

2351
Net Charge-Off Rate
risk
Value: 3.08%
Peer Median: 0.18%
#2351 of 2437 Bottom 3.6% in <100M tier
2219
Member Growth Rate
growth
Value: -7.87%
Peer Median: -1.37%
#2219 of 2437 Bottom 9.0% in <100M tier
1945
Net Worth Ratio
risk
Value: 10.47%
Peer Median: 14.28%
#1945 of 2437 Bottom 20.2% in <100M tier
1933
Efficiency Ratio
profitability
Value: 94.28%
Peer Median: 80.65%
#1933 of 2437 Bottom 20.7% in <100M tier
1837
Total Assets
balance_sheet
Value: $6.90M
Peer Median: $21.91M
#1837 of 2437 Bottom 24.7% in <100M tier
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