BlastPoint's Credit Union Scorecard
CO-OP
Charter #66983 · WI
CO-OP has 8 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
- + Relationship Depth Leader: Top 18.3% in tier
- + Wallet Share Momentum: Top 18.3% in tier
- + Organic Growth Engine: Top 35.5% in tier
- + Organic Growth Leader: Top 35.5% in tier
- + ROA 0.45% above tier average
- + Loan-to-Member Ratio (LMR): Top 1.8% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Net Charge-Off Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 4.8% in tier
- - Total Members: Bottom 5.4% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
- - First Mortgage Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,640
+1.4% YoY+0.4% QoQ
|
-14.4K |
38,079
-4.8% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 4.8% in tier |
| Assets |
$615.0M
+8.5% YoY+2.3% QoQ
|
$-4.7M |
$619.7M
-0.2% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$512.2M
+9.3% YoY+0.5% QoQ
|
+$92.9M |
$419.3M
-1.4% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$540.6M
+8.5% YoY+2.4% QoQ
|
+$1.1M |
$539.5M
-0.1% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
1.1%
+22.2% YoY+10.4% QoQ
|
+0.4% |
0.7%
+36.0% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
3.1%
+9.9% YoY+4.0% QoQ
|
-0.4% |
3.5%
+4.5% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
23% |
| Efficiency Ratio |
63.6%
-7.5% YoY-2.6% QoQ
|
-14.8% |
78.4%
-3.7% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
Top 8.4% in tier |
| Delinquency Rate |
0.5%
-5.6% YoY-35.5% QoQ
|
-0.2 |
0.7%
-0.9% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
94.7%
+0.7% YoY-1.8% QoQ
|
+17.1% |
77.7%
-1.2% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 7.8% in tier |
| AMR |
$44,535
+7.4% YoY+1.0% QoQ
|
+$18K |
$26,927
+3.1% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Top 3.6% in tier |
| CD Concentration |
34.0%
+2.4% YoY+0.7% QoQ
|
+9.7% | 24.3% | 21.6% | 19.8% | 82% |
| Indirect Auto % |
3.7%
-15.7% YoY-0.3% QoQ
|
-10.1% | 13.8% | 8.0% | 7.7% | 43% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)