BlastPoint's Credit Union Scorecard

KOHLER

Charter #66872 · WI

Community 500M-750M

169 CUs in 500M-750M nationally 5 in WI

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KOHLER has 15 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 0.8% in tier
+ Organic Growth Engine: Top 1.0% in tier
+ Profitability Leader: Top 57.5% in tier
+ ROA 0.71% above tier average
+ Net Interest Margin 0.49% above tier average
+ Strong member growth: 25.2% YoY
+ Member Growth Rate: Top 1.8% in tier
+ Share Certificate Concentration (%): Top 1.8% in tier
+ Asset Growth Rate: Top 2.4% in tier
+ Total Assets: Top 2.4% in tier
+ Total Loans: Top 3.0% in tier
+ Deposit Growth Rate: Top 3.6% in tier
+ Loan Growth Rate: Top 4.7% in tier
+ Net Charge-Off Rate: Top 7.7% in tier
+ Total Members: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.6% in tier
- Shrinking Wallet Share: Bottom 7.2% in tier
- Credit Risk Growth: Bottom 11.9% in tier
- Credit Quality Pressure: Bottom 25.6% in tier
- AMR Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	55,199 +25.2% YoY+0.6% QoQ	+15.4K	39,752 -2.7% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	Top 9.5% in tier
Assets	$745.8M +21.2% YoY-0.3% QoQ	+$123.4M	$622.4M +0.3% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	Top 3.0% in tier
Loans	$606.1M +20.8% YoY+1.0% QoQ	+$170.2M	$435.9M -0.4% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	Top 3.6% in tier
Deposits	$621.7M +18.4% YoY+0.3% QoQ	+$83.7M	$538.0M +1.3% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	Top 14.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +134.1% YoY+40.1% QoQ	+0.7%	0.7% +33.9% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	Top 9.5% in tier
NIM	3.9% +28.2% YoY+1.5% QoQ	+0.5%	3.4% +8.6% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	83%
Efficiency Ratio	73.0% -14.7% YoY-7.8% QoQ	-5.1%	78.1% -3.4% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	25%
Delinquency Rate	0.6% +6.5% YoY+25.2% QoQ	-0.2	0.8% -4.9% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	44%
Loan To Share	97.5% +2.1% YoY+0.8% QoQ	+16.5%	81.0% -1.8% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	Top 11.2% in tier
AMR	$22,244 -4.5% YoY+0.0% QoQ	$-4K	$26,482 +2.6% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	31%
CD Concentration	12.5% -17.4% YoY+15.9% QoQ	-11.9%	24.4% +4.2% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	Bottom 13.5% in tier
Indirect Auto %	7.7% -0.7% YoY-1.1% QoQ	-6.3%	14.0% -5.7% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#11 of 430 • Top 0.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 25.15%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 7.70%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#20 of 603 • Top 1.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 25.15%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 7.70%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth

#196 of 340 • Top 57.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.37%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.78% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#29 of 258 • Bottom 3.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.49%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 20.84%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#73 of 244 • Bottom 7.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.46%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Credit Risk Growth

risk

#179 of 446 • Bottom 11.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 20.84%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#635 of 736 • Bottom 25.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (13 metrics)

Member Growth Rate

growth

Value: 25.15%

Peer Avg: -

#4 of 169 Top 1.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 12.54%

Peer Avg: -

#4 of 169 Top 1.8% in 500M-750M tier

Asset Growth Rate

growth

Value: 21.23%

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Total Assets

balance_sheet

Value: $745.78M

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Total Loans

balance_sheet

Value: $606.14M

Peer Avg: -

#6 of 169 Top 3.0% in 500M-750M tier

Deposit Growth Rate

growth

Value: 18.37%

Peer Avg: -

#7 of 169 Top 3.6% in 500M-750M tier

Loan Growth Rate

growth

Value: 20.84%

Peer Avg: -

#9 of 169 Top 4.7% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#14 of 169 Top 7.7% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.37%

Peer Avg: -

#16 of 169 Top 8.9% in 500M-750M tier

Total Members

engagement

Value: 55,199

Peer Avg: -

#16 of 169 Top 8.9% in 500M-750M tier

Top Weaknesses (2 metrics)

154

AMR Growth Rate

growth

Value: -4.46%

Peer Avg: -

#154 of 169 Bottom 9.5% in 500M-750M tier

138

First Mortgage Concentration (%)

balance_sheet

Value: 46.63%

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier