BlastPoint's Credit Union Scorecard
FORWARD FINANCIAL
Charter #66798 · WI
FORWARD FINANCIAL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Total Members: Top 3.6% in tier
- + Total Assets: Top 5.2% in tier
- + Total Deposits: Top 5.5% in tier
- + Total Loans: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Efficiency ratio 2.04% above tier (higher cost structure)
- - Member decline: -2.0% YoY
- - First Mortgage Concentration (%): Bottom 7.3% 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 -0.2% year over year ($73.5M in shares and deposits).
- Membership: 7,832 members, -2.0% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.41%.
- Efficiency ratio 90.80% vs a 88.77% peer average.
- Loan-to-share ratio 63.16% 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 |
7,832
-2.0% YoY-0.6% QoQ
|
+5.2K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Top 3.7% in tier |
| Assets |
$85.9M
-0.5% YoY+0.9% QoQ
|
+$55.7M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Top 5.2% in tier |
| Loans |
$46.4M
-5.2% YoY+2.7% QoQ
|
+$30.9M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Top 6.8% in tier |
| Deposits |
$73.5M
-0.2% YoY+1.1% QoQ
|
+$47.7M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Top 5.5% in tier |
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| ROA |
0.4%
-21.3% YoY-7.3% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
4.3%
+0.4% YoY-0.5% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
90.8%
-0.1% YoY+1.1% QoQ
|
+2.0% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.8%
-48.6% YoY+21.6% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
63.2%
-5.0% YoY+1.6% QoQ
|
+4.3% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$15,303
-0.2% YoY+2.3% QoQ
|
+$341 |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
6.1%
-8.8% YoY-1.7% QoQ
|
-18.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)