BlastPoint's Credit Union Scorecard
CO-OP
Charter #66983 · WI
CO-OP has 8 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
- + Relationship Depth Leader: Top 19.7% in tier
- + Wallet Share Momentum: Top 19.7% in tier
- + Organic Growth Engine: Top 36.4% in tier
- + Organic Growth Leader: Top 36.4% in tier
- + ROA 0.31% above tier average
- + Loan-to-Member Ratio (LMR): Top 1.8% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.8% in tier
- - Credit Quality Pressure: Bottom 21.4% in tier
- - Credit Risk Growth: Bottom 25.1% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 4.8% in tier
- - Total Members: Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 7.3% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +9.5% year over year ($548M in shares and deposits).
- Membership: 23,862 members, +1.3% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 1.13%.
- Efficiency ratio 63.35% vs a 76.56% peer average.
- Loan-to-share ratio 95.13% vs a 79.33% 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 |
23,862
+1.3% YoY+0.9% QoQ
|
-14.0K |
37,897
-5.0% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Bottom 6.1% in tier |
| Assets |
$626.8M
+9.8% YoY+1.9% QoQ
|
+$4.4M |
$622.4M
+0.6% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$521.5M
+8.0% YoY+1.8% QoQ
|
+$93.0M |
$428.5M
-0.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$548.2M
+9.5% YoY+1.4% QoQ
|
+$8.4M |
$539.8M
+0.9% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
1.1%
+16.1% YoY-0.1% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
3.1%
+7.7% YoY+0.8% QoQ
|
-0.4% |
3.5%
+5.0% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
63.3%
-6.8% YoY-0.4% QoQ
|
-13.2% |
76.6%
-3.6% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.8%
+51.9% YoY+73.0% QoQ
|
+0.0 |
0.8%
+3.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
95.1%
-1.4% YoY+0.4% QoQ
|
+15.8% |
79.3%
-1.4% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 12.7% in tier |
| AMR |
$44,829
+7.4% YoY+0.7% QoQ
|
+$18K |
$27,294
+4.1% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Top 3.0% in tier |
| CD Concentration |
34.8%
+5.5% YoY+2.6% QoQ
|
+10.3% | 24.6% | 21.6% | 20.0% | 83% |
| Indirect Auto % |
3.7%
-10.6% YoY+1.0% QoQ
|
-9.9% | 13.6% | 8.4% | 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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)