BlastPoint's Credit Union Scorecard
FORWARD FINANCIAL
Charter #66798 · WI
FORWARD FINANCIAL has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.8% in tier
- + Total Loans: Top 6.1% in tier
- + Total Assets: Top 6.2% in tier
- + Total Deposits: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 8.28% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - First Mortgage Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,959
-2.1% YoY-0.4% QoQ
|
+5.3K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Top 3.8% in tier |
| Assets |
$83.5M
-5.7% YoY-3.3% QoQ
|
+$53.7M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Top 6.2% in tier |
| Loans |
$48.6M
-4.4% YoY-0.8% QoQ
|
+$32.8M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Top 6.1% in tier |
| Deposits |
$71.2M
-6.6% YoY-3.3% QoQ
|
+$45.7M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Top 6.3% in tier |
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| ROA |
0.6%
-28.5% YoY+12.5% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
4.3%
+3.8% YoY+2.0% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
89.7%
+8.0% YoY-1.3% QoQ
|
+8.3% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.4%
+136.6% YoY-7.5% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
68.2%
+2.3% YoY+2.5% QoQ
|
+7.0% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$15,049
-3.7% YoY-1.9% QoQ
|
+$422 |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
6.4%
-21.4% YoY-3.6% QoQ
|
-18.0% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)