BlastPoint's Credit Union Scorecard

CLOVERBELT

Charter #66844 · WI

100M-500M

1070 CUs in 100M-500M nationally 26 in WI

CLOVERBELT has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Loan-to-Member Ratio (LMR): Top 6.4% in tier
+ Total Loans: Top 8.6% in tier
+ Net Charge-Off Rate: Top 9.2% in tier
+ Average Member Relationship (AMR): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 5.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	16,292 -0.1% YoY+0.1% QoQ	+1.1K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	64%
Assets	$349.8M +7.8% YoY+2.3% QoQ	+$118.1M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	81%
Loans	$274.8M +8.2% YoY+1.1% QoQ	+$130.7M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	Top 8.7% in tier
Deposits	$304.5M +9.0% YoY+2.4% QoQ	+$103.4M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	82%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +20.6% YoY-2.3% QoQ	+0.0%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	54%
NIM	3.0% +19.4% YoY+8.5% QoQ	-0.7%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	15%
Efficiency Ratio	77.4% -0.9% YoY+3.4% QoQ	-0.6%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	0.2% +39.3% YoY+45.0% QoQ	-0.6	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	Top 12.5% in tier
Loan To Share	90.2% -0.7% YoY-1.2% QoQ	+19.8%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 11.1% in tier
AMR	$35,561 +8.8% YoY+1.7% QoQ	+$11K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Top 9.3% in tier
CD Concentration	29.4% +3.7% YoY-0.9% QoQ	+5.2%	24.3%	21.6%	19.8%	50%
Indirect Auto %	9.9% -12.9% YoY-4.5% QoQ	-3.9%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#51 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.77%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.3K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#172 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.77%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (3)

Credit Risk Growth

risk

#296 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.22%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#578 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Strain

risk

#154 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.24%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 8.22%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (12 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $16,868

Peer Median: $9,356

#70 of 1070 Top 6.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $274.81M

Peer Median: $121.41M

#93 of 1070 Top 8.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: 0.35%

#99 of 1070 Top 9.2% in 100M-500M tier

100

Average Member Relationship (AMR)

engagement

Value: $35,561

Peer Median: $22,931

#100 of 1070 Top 9.3% in 100M-500M tier

119

Loan-to-Share Ratio

balance_sheet

Value: 90.24%

Peer Median: 71.88%

#119 of 1070 Top 11.0% in 100M-500M tier

135

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Median: 0.61%

#135 of 1070 Top 12.5% in 100M-500M tier

136

Deposit Growth Rate

growth

Value: 9.01%

Peer Median: 3.30%

#136 of 1070 Top 12.6% in 100M-500M tier

139

AMR Growth Rate

growth

Value: 8.77%

Peer Median: 3.46%

#139 of 1070 Top 12.9% in 100M-500M tier

194

Total Deposits

balance_sheet

Value: $304.55M

Peer Median: $171.29M

#194 of 1070 Top 18.0% in 100M-500M tier

201

Total Assets

balance_sheet

Value: $349.81M

Peer Median: $196.57M

#201 of 1070 Top 18.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1010

First Mortgage Concentration (%)

balance_sheet

Value: 60.53%

Peer Median: 29.47%

#1010 of 1070 Bottom 5.7% in 100M-500M tier

922

Fee Income Per Member

profitability

Value: $89.60

Peer Median: $154.95

#922 of 1070 Bottom 13.9% in 100M-500M tier

907

Net Interest Margin (NIM)

profitability

Value: 2.98%

Peer Median: 3.62%

#907 of 1070 Bottom 15.3% in 100M-500M tier

808

Members Per Employee (MPE)

engagement

Value: 262.774

Peer Median: 309.176

#808 of 1070 Bottom 24.6% in 100M-500M tier