BlastPoint's Credit Union Scorecard
KOHLER
Charter #66872 · WI
KOHLER has 5 strengths but faces 8 concerns
How does the industry compare?
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 61.5% in tier
- + ROA 0.54% above tier average
- + Net Interest Margin 0.57% above tier average
- + Net Charge-Off Rate: Top 5.1% in tier
- + Share Certificate Concentration (%): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35.7% in tier
- - Credit Quality Pressure: Bottom 63.8% in tier
- - Credit Risk Growth: Bottom 64.4% in tier
- - Membership Headwinds: Bottom 68.5% in tier
- - Stagnation Risk: Bottom 86.8% in tier
- - Efficiency ratio 0.18% above tier (higher cost structure)
- - Total Assets: Bottom 0.9% in tier
- - Total Deposits: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,785
-1.8% YoY-2.6% QoQ
|
+1.7K |
52,084
-1.6% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$751.6M
+5.3% YoY+0.8% QoQ
|
$-112.3M |
$863.9M
+0.5% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.0% in tier |
| Loans |
$618.8M
+5.5% YoY+2.1% QoQ
|
+$13.0M |
$605.8M
+1.4% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$635.8M
+4.6% YoY+2.3% QoQ
|
$-101.4M |
$737.3M
+0.1% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.7% in tier |
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| ROA |
1.3%
+26.5% YoY-5.8% QoQ
|
+0.5% |
0.7%
+39.1% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 13.7% in tier |
| NIM |
4.0%
+26.0% YoY+1.0% QoQ
|
+0.6% |
3.4%
+8.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
74.5%
-3.4% YoY+2.1% QoQ
|
+0.2% |
74.3%
-3.6% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.5%
+32.3% YoY-6.0% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
97.3%
+0.9% YoY-0.2% QoQ
|
+14.8% |
82.6%
+1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 14.5% in tier |
| AMR |
$23,327
+7.0% YoY+4.9% QoQ
|
$-6K |
$28,873
+2.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
16.0%
+21.8% YoY+27.5% QoQ
|
-8.4% | 24.4% | 21.5% | 19.8% | 22% |
| Indirect Auto % |
7.4%
-7.1% YoY-3.7% QoQ
|
-6.4% | 13.8% | 8.0% | 7.8% | 48% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)