BlastPoint's Credit Union Scorecard
KOHLER
Charter #66872 · WI
KOHLER has 4 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.3% in tier
- + ROA 0.18% above tier average
- + Net Interest Margin 0.57% above tier average
- + Share Certificate Concentration (%): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.7% in tier
- - Credit Risk Growth: Bottom 33.7% in tier
- - Credit Quality Pressure: Bottom 42.8% in tier
- - Membership Headwinds: Bottom 77.4% in tier
- - Stagnation Risk: Bottom 77.4% in tier
- - Efficiency ratio 3.77% above tier (higher cost structure)
- - Member decline: -2.5% YoY
- - Total Assets: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,457
-2.5% YoY-0.6% QoQ
|
+2.0K |
51,500
+0.7% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$762.1M
+3.3% YoY+1.4% QoQ
|
$-103.6M |
$865.6M
+0.9% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.0% in tier |
| Loans |
$621.2M
+6.2% YoY+0.4% QoQ
|
+$25.9M |
$595.3M
+1.6% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$666.5M
+5.5% YoY+4.8% QoQ
|
$-75.7M |
$742.2M
+0.6% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.5% in tier |
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| ROA |
0.9%
+7.9% YoY-27.0% QoQ
|
+0.2% |
0.8%
+45.0% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
68% |
| NIM |
4.0%
+5.6% YoY+1.6% QoQ
|
+0.6% |
3.5%
+6.1% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
79.3%
-2.4% YoY+6.4% QoQ
|
+3.8% |
75.5%
-3.4% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
0.3%
+23.9% YoY-44.1% QoQ
|
-0.4 |
0.7%
-0.1% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
93.2%
+0.7% YoY-4.2% QoQ
|
+12.6% |
80.6%
+0.7% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$24,088
+8.5% YoY+3.3% QoQ
|
$-5K |
$28,908
+0.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
15.1%
+16.7% YoY-5.4% QoQ
|
-9.1% | 24.3% | 21.6% | 19.8% | 19% |
| Indirect Auto % |
7.0%
-12.2% YoY-5.1% QoQ
|
-6.8% | 13.8% | 8.0% | 7.7% | 48% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)