BlastPoint's Credit Union Scorecard
CO-OP
Charter #66983 · WI
CO-OP has 9 strengths but faces 7 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
- + Organic Growth Engine: Top 6.5% in tier
- + Organic Growth Leader: Top 7.1% in tier
- + Relationship Depth Leader: Top 80.1% in tier
- + ROA 0.36% above tier average
- + Net Charge-Off Rate: Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.0% in tier
- + Average Member Relationship (AMR): Top 4.1% in tier
- + Loan-to-Share Ratio: Top 8.3% in tier
- + Efficiency Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.4% in tier
- - Credit Risk Growth: Bottom 10.2% in tier
- - Credit Quality Pressure: Bottom 17.8% in tier
- - Fee Income Per Member: Bottom 2.4% in tier
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Total Members: Bottom 5.3% in tier
- - First Mortgage Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,563
+4.6% YoY+0.0% QoQ
|
-16.2K |
39,752
-2.7% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 4.7% in tier |
| Assets |
$573.2M
+5.5% YoY+0.4% QoQ
|
$-49.2M |
$622.4M
+0.3% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$499.2M
+9.8% YoY+3.4% QoQ
|
+$63.3M |
$435.9M
-0.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$501.8M
+4.9% YoY+0.2% QoQ
|
$-36.3M |
$538.0M
+1.3% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
1.0%
+88.1% YoY+4.6% QoQ
|
+0.4% |
0.7%
+33.9% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
79% |
| NIM |
3.0%
+20.3% YoY+2.7% QoQ
|
-0.5% |
3.4%
+8.6% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
66.3%
-15.8% YoY-2.5% QoQ
|
-11.8% |
78.1%
-3.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
0.5%
+35.2% YoY-3.3% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
99.5%
+4.7% YoY+3.1% QoQ
|
+18.5% |
81.0%
-1.8% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 8.9% in tier |
| AMR |
$42,480
+2.6% YoY+1.8% QoQ
|
+$16K |
$26,482
+2.6% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 4.7% in tier |
| CD Concentration |
34.3%
-3.9% YoY+3.9% QoQ
|
+9.9% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
82% |
| Indirect Auto % |
3.9%
-18.9% YoY-6.1% QoQ
|
-10.1% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
43% |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
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.
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)