BlastPoint's Credit Union Scorecard
UNISON
Charter #66851 · WI
UNISON has 3 strengths but faces 3 concerns
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
- + AMR Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -4.3% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
- Shares and deposits +5.3% year over year ($322M in shares and deposits).
- Membership: 18,069 members, -4.3% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 0.91%.
- Efficiency ratio 71.38% vs a 76.73% peer average.
- Loan-to-share ratio 71.28% vs a 71.54% 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 |
18,069
-4.3% YoY-0.5% QoQ
|
+2.9K |
15,168
-2.6% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$393.6M
+8.4% YoY+1.2% QoQ
|
+$161.6M |
$232.0M
+0.7% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Top 12.1% in tier |
| Loans |
$229.3M
+7.8% YoY+4.0% QoQ
|
+$83.0M |
$146.3M
+0.2% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$321.7M
+5.3% YoY+1.1% QoQ
|
+$120.9M |
$200.7M
+0.2% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Top 15.0% in tier |
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| ROA |
0.9%
+25.7% YoY-5.0% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
3.2%
-0.3% YoY+1.8% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
71.4%
-5.7% YoY-0.6% QoQ
|
-5.4% |
76.7%
-0.8% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
30% |
| Delinquency Rate |
0.3%
-6.5% YoY-30.2% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
71.3%
+2.4% YoY+2.8% QoQ
|
-0.3% |
71.5%
-0.3% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$30,490
+11.2% YoY+2.8% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
19.5%
+0.7% YoY-4.3% QoQ
|
-5.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
0.2%
-57.2% YoY-25.5% QoQ
|
-13.4% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)