BlastPoint's Credit Union Scorecard
MCU FINANCIAL CENTER
Charter #66878 · WI
MCU FINANCIAL CENTER has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Member decline: -3.1% YoY
- - Indirect Auto Concentration (%): Bottom 0.7% 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 +2.9% year over year ($27.8M in shares and deposits).
- Membership: 2,722 members, -3.1% vs a year ago.
- Delinquency rate 0.67%.
- Return on assets 0.47%.
- Efficiency ratio 85.75% vs a 88.77% peer average.
- Loan-to-share ratio 85.59% 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 |
2,722
-3.1% YoY-0.8% QoQ
|
+136 |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$31.2M
+3.2% YoY+1.4% QoQ
|
+$909K |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$23.8M
+7.5% YoY+1.2% QoQ
|
+$8.3M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$27.8M
+2.9% YoY+1.5% QoQ
|
+$2.0M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
0.5%
-39.6% YoY-10.9% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
4.1%
-4.4% YoY-1.2% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
85.8%
+14.6% YoY+5.6% QoQ
|
-3.0% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.7%
-32.6% YoY+2.1% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
85.6%
+4.4% YoY-0.3% QoQ
|
+26.7% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 13.6% in tier |
| AMR |
$18,931
+8.4% YoY+2.2% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
18.8%
+74.8% YoY-2.6% QoQ
|
-5.7% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
59.5%
+4.9% YoY+3.0% QoQ
|
+45.9% | 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)