BlastPoint's Credit Union Scorecard
OSHKOSH COMMUNITY
Charter #66779 · WI
OSHKOSH COMMUNITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.36% above tier average
- + Strong member growth: 27.1% YoY
- + Member Growth Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - AMR Growth Rate: Bottom 1.1% in tier
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
- - Deposit Growth Rate: Bottom 6.4% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,125
+27.1% YoY-0.4% QoQ
|
+509 |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$20.0M
-7.7% YoY+2.1% QoQ
|
$-10.2M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$15.4M
-5.2% YoY-2.4% QoQ
|
$-346K |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$17.6M
-10.6% YoY+2.4% QoQ
|
$-8.1M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.4%
-54.4% YoY-1.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
5.3%
+22.6% YoY+1.2% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
82.2%
+0.4% YoY-2.1% QoQ
|
-0.4% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.7%
-10.0% YoY-25.9% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
87.6%
+6.0% YoY-4.6% QoQ
|
+27.0% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 12.6% in tier |
| AMR |
$10,566
-27.7% YoY+0.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
14.7%
-35.2% YoY-3.0% QoQ
|
-9.7% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % |
28.4%
+1.9% YoY+0.3% QoQ
|
+14.6% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)