BlastPoint's Credit Union Scorecard
KOHLER
Charter #66872 · WI
KOHLER has 4 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 11.8% in tier
- + ROA 0.19% above tier average
- + Net Interest Margin 0.56% above tier average
- + Share Certificate Concentration (%): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.8% in tier
- - Membership Headwinds: Bottom 79.2% in tier
- - Stagnation Risk: Bottom 79.2% in tier
- - Efficiency ratio 2.16% above tier (higher cost structure)
- - Member decline: -2.6% YoY
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Wisconsin.
- Shares and deposits +6.8% year over year ($662M in shares and deposits).
- Membership: 53,417 members, -2.6% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 1.04%.
- Efficiency ratio 76.70% vs a 74.54% peer average.
- Loan-to-share ratio 95.84% vs a 82.60% 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 |
53,417
-2.6% YoY-0.1% QoQ
|
+934 |
52,482
+1.3% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$776.4M
+3.7% YoY+1.9% QoQ
|
$-87.5M |
$863.9M
+0.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.7% in tier |
| Loans |
$634.5M
+5.8% YoY+2.1% QoQ
|
+$26.8M |
$607.8M
+2.1% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$662.0M
+6.8% YoY-0.7% QoQ
|
$-77.9M |
$739.9M
+0.2% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.4% in tier |
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| ROA |
1.0%
+6.3% YoY+10.3% QoQ
|
+0.2% |
0.8%
+30.4% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
4.1%
+5.4% YoY+1.2% QoQ
|
+0.6% |
3.5%
+6.2% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
Top 14.4% in tier |
| Efficiency Ratio |
76.7%
-3.1% YoY-3.3% QoQ
|
+2.2% |
74.5%
-1.4% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.3%
-29.2% YoY+7.6% QoQ
|
-0.5 |
0.8%
+1.0% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
95.8%
-0.9% YoY+2.8% QoQ
|
+13.2% |
82.6%
+1.9% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$24,273
+9.1% YoY+0.8% QoQ
|
$-4K |
$28,702
+0.4% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
14.1%
+30.6% YoY-6.5% QoQ
|
-10.4% | 24.6% | 21.6% | 20.0% | 16% |
| Indirect Auto % |
6.8%
-12.2% YoY-3.0% QoQ
|
-6.8% | 13.6% | 8.4% | 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 (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)