BlastPoint's Credit Union Scorecard
BLACKHAWK COMMUNITY
Charter #66998 · WI
BLACKHAWK COMMUNITY has 2 strengths but faces 10 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 67.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 36.0% in tier
- - Credit Quality Pressure: Bottom 43.3% in tier
- - Stagnation Risk: Bottom 43.8% in tier
- - Efficiency Drag: Bottom 51.2% in tier
- - Membership Headwinds: Bottom 63.6% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 11.80% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 6.0% in tier
- - First Mortgage Concentration (%): Bottom 6.8% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,303
-1.9% YoY-0.4% QoQ
|
-7.8K |
52,084
-1.6% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$911.0M
+5.0% YoY+0.6% QoQ
|
+$47.1M |
$863.9M
+0.5% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$501.5M
-4.2% YoY-0.7% QoQ
|
$-104.3M |
$605.8M
+1.4% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$809.6M
+5.6% YoY+1.1% QoQ
|
+$72.3M |
$737.3M
+0.1% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.5%
-40.4% YoY-7.0% QoQ
|
-0.3% |
0.7%
+39.1% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.2%
-0.1% YoY+1.3% QoQ
|
-0.2% |
3.4%
+8.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
86.1%
+10.7% YoY+1.1% QoQ
|
+11.8% |
74.3%
-3.6% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 11.1% in tier |
| Delinquency Rate |
0.7%
+55.2% YoY+7.6% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
61.9%
-9.3% YoY-1.8% QoQ
|
-20.6% |
82.6%
+1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.1% in tier |
| AMR |
$29,595
+3.6% YoY+0.8% QoQ
|
+$722 |
$28,873
+2.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
21.4%
+1.7% YoY+2.0% QoQ
|
-3.0% | 24.4% | 21.5% | 19.8% | 40% |
| Indirect Auto % |
10.1%
-26.9% YoY-7.8% QoQ
|
-3.7% | 13.8% | 8.0% | 7.8% | 54% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)