BlastPoint's Credit Union Scorecard
M.E. EMPLOYEES
Charter #66862 · WI
M.E. EMPLOYEES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
- + Loan-to-Share Ratio: Top 4.2% in tier
- + Average Member Relationship (AMR): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Member decline: -2.0% YoY
- - First Mortgage Concentration (%): Bottom 3.0% 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 +8.2% year over year ($17.1M in shares and deposits).
- Membership: 1,300 members, -2.0% vs a year ago.
- Delinquency rate 0.42%.
- Return on assets 0.59%.
- Efficiency ratio 86.65% vs a 88.77% peer average.
- Loan-to-share ratio 97.37% 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 |
1,300
-2.0% YoY-0.5% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$19.0M
+7.6% YoY+3.4% QoQ
|
$-11.2M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$16.6M
+3.1% YoY-2.4% QoQ
|
+$1.2M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$17.1M
+8.2% YoY+3.8% QoQ
|
$-8.7M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.6%
-1235.5% YoY+45.4% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.2%
+83.6% YoY+0.9% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
86.6%
-15.5% YoY-4.6% QoQ
|
-2.1% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.4%
+384.5% YoY+71.3% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
97.4%
-4.7% YoY-6.0% QoQ
|
+38.5% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 4.3% in tier |
| AMR |
$25,898
+7.8% YoY+1.1% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Top 7.7% in tier |
| CD Concentration |
31.8%
-3.4% YoY-4.3% QoQ
|
+7.2% | 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)