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
- + Wallet Share Momentum: Top 36.5% in tier
- + Credit Quality Leader: Top 74.3% in tier
- + Loan Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 24.9% in tier
- - Membership Headwinds: Bottom 33.2% in tier
- - ROA 0.12% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,950
-0.5% YoY+0.3% QoQ
|
+3.3K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$364.7M
+9.4% YoY+0.5% QoQ
|
+$133.4M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$218.0M
+15.6% YoY+2.5% QoQ
|
+$70.2M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$305.3M
+3.3% YoY-0.0% QoQ
|
+$105.0M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
0.7%
+3.3% YoY-7.0% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
3.2%
+4.0% YoY+0.0% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
74.7%
-2.4% YoY-1.4% QoQ
|
-2.6% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.3%
-5.6% YoY+2.6% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
71.4%
+12.0% YoY+2.6% QoQ
|
-1.3% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$27,613
+8.6% YoY+0.7% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
20.0%
+14.6% YoY+3.7% QoQ
|
-4.4% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.4%
-58.7% YoY-18.0% QoQ
|
-13.6% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)