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 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.8% in tier
- + Total Assets: Top 5.2% in tier
- + Total Deposits: Top 5.4% in tier
- + Total Loans: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Efficiency ratio 7.96% above tier (higher cost structure)
- - Member decline: -2.0% YoY
- - First Mortgage Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,926
-2.0% YoY-0.4% QoQ
|
+5.3K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 3.8% in tier |
| Assets |
$86.4M
-0.7% YoY+3.4% QoQ
|
+$56.2M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 5.3% in tier |
| Loans |
$46.6M
-7.3% YoY-4.0% QoQ
|
+$30.8M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Top 7.0% in tier |
| Deposits |
$74.1M
-1.0% YoY+4.0% QoQ
|
+$48.4M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 5.4% in tier |
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| ROA |
0.5%
-32.4% YoY-7.6% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
4.3%
+2.7% YoY-0.4% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
90.5%
+8.0% YoY+0.9% QoQ
|
+8.0% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.3%
+49.0% YoY-9.4% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
62.9%
-6.3% YoY-7.7% QoQ
|
+2.3% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$15,224
-1.6% YoY+1.2% QoQ
|
+$441 |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
7.3%
-0.6% YoY+13.0% QoQ
|
-17.2% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)