BlastPoint's Credit Union Scorecard
OSHKOSH COMMUNITY
Charter #66779 · WI
OSHKOSH COMMUNITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + AMR Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Member decline: -20.5% YoY
- - Member Growth Rate: Bottom 1.8% in tier
- - Indirect Auto Concentration (%): Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 8.5% 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 -8.3% year over year ($17.9M in shares and deposits).
- Membership: 2,490 members, -20.5% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 0.22%.
- Efficiency ratio 87.11% vs a 88.77% peer average.
- Loan-to-share ratio 84.73% 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 |
2,490
-20.5% YoY+17.3% QoQ
|
-95 |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$20.3M
-7.6% YoY-0.7% QoQ
|
$-10.0M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$15.2M
-3.3% YoY-1.4% QoQ
|
$-300K |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$17.9M
-8.3% YoY-0.9% QoQ
|
$-7.9M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
0.2%
-16.7% YoY-157.7% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.0% in tier |
| NIM |
4.7%
-4.1% YoY-9.0% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
87.1%
-1.8% YoY-6.2% QoQ
|
-1.7% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.2%
-76.5% YoY-54.8% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
84.7%
+5.3% YoY-0.5% QoQ
|
+25.8% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 14.5% in tier |
| AMR |
$13,272
+18.2% YoY-15.7% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
13.2%
-40.8% YoY-13.4% QoQ
|
-11.3% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
29.3%
+15.4% YoY+3.5% QoQ
|
+15.6% | 13.6% | 8.4% | 7.7% | 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)