BlastPoint's Credit Union Scorecard
OSHKOSH COMMUNITY
Charter #66779 · WI
OSHKOSH COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.12% above tier average
- + AMR Growth Rate: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 2.22% above tier (higher cost structure)
- - Member decline: -32.0% YoY
- - Member Growth Rate: Bottom 0.8% in tier
- - Indirect Auto Concentration (%): Bottom 4.1% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
- - Deposit Growth Rate: Bottom 5.9% in tier
- - Net Charge-Off Rate: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,123
-32.0% YoY-32.1% QoQ
|
-553 |
2,676
+1.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$20.4M
-9.4% YoY+2.3% QoQ
|
$-9.8M |
$30.2M
+1.3% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$15.4M
-1.7% YoY-0.3% QoQ
|
+$87K |
$15.3M
-2.0% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$18.0M
-10.6% YoY+2.5% QoQ
|
$-7.7M |
$25.8M
+0.7% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
-0.4%
-49.9% YoY-187.4% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.4% in tier |
| NIM |
5.1%
+3.7% YoY-3.5% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
Top 9.8% in tier |
| Efficiency Ratio |
92.9%
-19.0% YoY+13.0% QoQ
|
+2.2% |
90.6%
+6.5% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.5%
-42.3% YoY-23.3% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
85.2%
+10.0% YoY-2.8% QoQ
|
+26.7% |
58.5%
-3.0% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 12.5% in tier |
| AMR |
$15,739
+37.2% YoY+49.0% QoQ
|
+$855 |
$14,884
-1.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
15.3%
-29.8% YoY+3.8% QoQ
|
-9.0% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
28.3%
+14.9% YoY-0.2% QoQ
|
+14.5% | 13.8% | 8.0% | 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)