BlastPoint's Credit Union Scorecard
CLOVERBELT
Charter #66844 · WI
CLOVERBELT has 9 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.2% in tier
- + Credit Quality Leader: Top 20.3% in tier
- + Wallet Share Momentum: Top 22.9% in tier
- + Net Charge-Off Rate: Top 5.2% in tier
- + Total Delinquency Rate (60+ days): Top 5.8% in tier
- + Loan-to-Member Ratio (LMR): Top 7.1% in tier
- + AMR Growth Rate: Top 8.2% in tier
- + Average Member Relationship (AMR): Top 9.7% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.2% in tier
- - Credit Risk Growth: Bottom 20.4% in tier
- - Credit Quality Pressure: Bottom 27.0% in tier
- - ROA 0.04% below tier average
- - First Mortgage Concentration (%): Bottom 6.0% in tier
- - Net Interest Margin (NIM): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,323
-0.5% YoY-0.0% QoQ
|
+694 |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$334.4M
+8.0% YoY+0.8% QoQ
|
+$103.1M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$269.4M
+9.2% YoY+4.1% QoQ
|
+$121.6M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Top 10.6% in tier |
| Deposits |
$290.4M
+10.6% YoY+1.5% QoQ
|
+$90.1M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
0.8%
+161.5% YoY+7.2% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
2.7%
+20.1% YoY+3.4% QoQ
|
-0.9% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
74.9%
-14.8% YoY-1.6% QoQ
|
-2.4% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.1%
+28.8% YoY+350.7% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.8% in tier |
| Loan To Share |
92.8%
-1.3% YoY+2.5% QoQ
|
+20.1% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 10.9% in tier |
| AMR |
$34,296
+10.5% YoY+2.7% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 9.7% in tier |
| CD Concentration |
29.4%
+2.9% YoY+3.8% QoQ
|
+5.0% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.7%
-13.7% YoY-3.9% QoQ
|
-3.3% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)