BlastPoint's Credit Union Scorecard

BLACKHAWK COMMUNITY

Charter #66998 · WI

Community 750M-1B

111 CUs in 750M-1B nationally 2 in WI

View Community leaderboard →

BLACKHAWK COMMUNITY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 43.8% in tier
+ Net Charge-Off Rate: Top 7.2% in tier
+ Total Deposits: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 1.4% in tier
- Efficiency Drag: Bottom 10.1% in tier
- Stagnation Risk: Bottom 67.9% in tier
- Membership Headwinds: Bottom 67.9% in tier
- ROA 0.51% below tier average
- Efficiency ratio 15.49% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 5.4% in tier
- First Mortgage Concentration (%): Bottom 7.2% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Wisconsin.
Shares and deposits +5.0% year over year ($841M in shares and deposits).
Membership: 44,070 members, -1.4% vs a year ago.
Delinquency rate 0.63%.
Return on assets 0.34%.
Efficiency ratio 90.03% vs a 74.54% peer average.
Loan-to-share ratio 60.02% 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	44,070 -1.4% YoY-0.2% QoQ	-8.4K	52,482 +1.3% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	32%
Assets	$947.3M +5.0% YoY+1.7% QoQ	+$83.4M	$863.9M +0.5% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	84%
Loans	$505.0M -0.6% YoY+0.4% QoQ	$-102.8M	$607.8M +2.1% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	16%
Deposits	$841.5M +5.0% YoY+1.6% QoQ	+$101.6M	$739.9M +0.2% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	Top 10.8% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -33.9% YoY+50.2% QoQ	-0.5%	0.8% +30.4% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	19%
NIM	3.1% -1.0% YoY+5.7% QoQ	-0.4%	3.5% +6.2% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	25%
Efficiency Ratio	90.0% +5.7% YoY-4.1% QoQ	+15.5%	74.5% -1.4% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	Bottom 3.6% in tier
Delinquency Rate	0.6% -1.0% YoY+55.1% QoQ	-0.2	0.8% +1.0% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	53%
Loan To Share	60.0% -5.3% YoY-1.1% QoQ	-22.6%	82.6% +1.9% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	Bottom 9.0% in tier
AMR	$30,554 +4.2% YoY+1.4% QoQ	+$2K	$28,702 +0.4% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	66%
CD Concentration	21.1% +1.1% YoY-1.3% QoQ	-3.4%	24.6%	21.6%	20.0%	38%
Indirect Auto %	10.1% -16.2% YoY+3.1% QoQ	-3.5%	13.6%	8.4%	7.7%	54%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#156 of 262 • Top 43.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.24%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 276 Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk

#70 of 531 • Bottom 10.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.03%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -1.35%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#355 of 549 • Bottom 67.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.58%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.63%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline

#172 of 230 • Bottom 1.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $947.33M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -1.35%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.58%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Membership Headwinds

decline

#415 of 549 • Bottom 67.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.35%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 111 peers in tier

Top Strengths (4 metrics)

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.47%

#9 of 111 Top 7.2% in 750M-1B tier

Total Deposits

balance_sheet

Value: $841.48M

Peer Median: $737.84M

#12 of 111 Top 9.9% in 750M-1B tier

Total Assets

balance_sheet

Value: $947.33M

Peer Median: $860.94M

#18 of 111 Top 15.3% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.14%

Peer Median: 27.05%

#24 of 111 Top 20.7% in 750M-1B tier

Top Weaknesses (7 metrics)

108

Efficiency Ratio

profitability

Value: 90.03%

Peer Median: 75.82%

#108 of 111 Bottom 3.6% in 750M-1B tier

106

Members Per Employee (MPE)

engagement

Value: 209.857

Peer Median: 322.694

#106 of 111 Bottom 5.4% in 750M-1B tier

104

First Mortgage Concentration (%)

balance_sheet

Value: 56.89%

Peer Median: 33.51%

#104 of 111 Bottom 7.2% in 750M-1B tier

101

Loan-to-Share Ratio

balance_sheet

Value: 60.02%

Peer Median: 84.77%

#101 of 111 Bottom 9.9% in 750M-1B tier

Total Loans

balance_sheet

Value: $505.02M

Peer Median: $626.83M

#93 of 111 Bottom 17.1% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: 0.81%

#90 of 111 Bottom 19.8% in 750M-1B tier

Fee Income Per Member

profitability

Value: $155.86

Peer Median: $197.29

#88 of 111 Bottom 21.6% in 750M-1B tier