BlastPoint's Credit Union Scorecard
OSHKOSH COMMUNITY
Charter #66779 · WI
OSHKOSH COMMUNITY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.32% above tier average
- + Strong member growth: 26.4% YoY
- + Member Growth Rate: Top 1.3% in tier
- + Members Per Employee (MPE): Top 6.4% in tier
- + Loan-to-Share Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 2.54% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.1% in tier
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
- - Deposit Growth Rate: Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,136
+26.4% YoY+0.1% QoQ
|
+510 |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$19.5M
-3.5% YoY-10.9% QoQ
|
$-10.3M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$15.8M
-8.3% YoY+0.7% QoQ
|
+$18K |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$17.2M
-11.8% YoY-11.8% QoQ
|
$-8.3M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
0.5%
-45.8% YoY+67.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
5.2%
+14.8% YoY+7.9% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Top 10.0% in tier |
| Efficiency Ratio |
83.9%
-1.6% YoY-5.4% QoQ
|
+2.5% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
1.0%
+44.6% YoY-8.7% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
91.8%
+3.9% YoY+14.1% QoQ
|
+30.6% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 9.6% in tier |
| AMR |
$10,517
-28.9% YoY-6.3% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
15.2%
-30.9% YoY-32.1% QoQ
|
-9.2% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
28.3%
-0.3% YoY+11.5% QoQ
|
+14.3% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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)