BLACKHAWK COMMUNITY

Charter #66998 | WI

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in WI

BLACKHAWK COMMUNITY has 3 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 12.8% in tier
  • + Wallet Share Momentum: Top 25.5% in tier
  • + Net Charge-Off Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 11.3% in tier
  • - Stagnation Risk: Bottom 15.0% in tier
  • - Credit Quality Pressure: Bottom 17.9% in tier
  • - Efficiency Drag: Bottom 18.3% in tier
  • - Membership Headwinds: Bottom 20.3% in tier
  • - ROA 0.18% below tier average
  • - Efficiency ratio 10.70% above tier (higher cost structure)
  • - First Mortgage Concentration (%): Bottom 6.2% in tier
  • - Members Per Employee (MPE): Bottom 6.2% in tier
  • - Loan Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 44,476
-1.9% YoY-0.4% QoQ
 -7.6K 52,114
-2.1% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 34th in tier
Assets $905.9M
+5.2% YoY+0.4% QoQ
 +$46.9M $859.0M
+0.0% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 72nd in tier
Loans $505.2M
-4.6% YoY-0.6% QoQ
 $-98.2M $603.4M
+1.0% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Bottom 19.6% in tier
Deposits $800.7M
+5.0% YoY-0.1% QoQ
 +$66.6M $734.2M
+0.9% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 19.6% in tier
ROA 0.5%
-37.0% YoY+4.1% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 39th in tier
NIM 3.2%
-1.4% YoY+0.0% QoQ
 -0.2% 3.4%
+9.6% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 35th in tier
Efficiency Ratio 85.2%
+9.6% YoY+0.1% QoQ
 +10.7% 74.5%
-3.2% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Top 13.4% in tier
Delinquency Rate 0.6%
+26.0% YoY+0.4% QoQ
 -0.2 0.8%
+5.0% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 48th in tier
Loan To Share 63.1%
-9.1% YoY-0.4% QoQ
 -19.6% 82.7%
+0.1% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Bottom 12.5% in tier
AMR $29,362
+3.0% YoY+0.2% QoQ
 +$711 $28,651
+2.5% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 21.0%
+3.0% YoY+0.4% QoQ
 -3.4% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 38th in tier
Indirect Auto % 11.0%
-23.0% YoY-9.0% QoQ
 -3.0% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 55th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#353 of 1006 • Top 12.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.05%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#705 of 1006 • Top 25.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.05%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline
#90 of 256 • Bottom 11.3% in tier

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

Why This Signature
Total Assets: $905.94M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -1.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -4.56%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk
#248 of 550 • Bottom 15.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.53%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $29.4K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 20.98%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#444 of 736 • Bottom 17.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#323 of 521 • Bottom 18.3% in tier

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

Why This Signature
Efficiency Ratio: 85.23%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.31% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Membership Headwinds

decline
#335 of 550 • Bottom 20.3% in tier

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

Why This Signature
Member Growth (YoY): -1.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (3 metrics)

8
Net Charge-Off Rate
risk
Value: 0.11%
Peer Avg: 0.61%
#8 of 112 Top 6.2% in 750M-1B tier
20
Share Certificate Concentration (%)
balance_sheet
Value: 20.98%
Peer Avg: 28.34%
#20 of 112 Top 17.0% in 750M-1B tier
22
Total Deposits
balance_sheet
Value: $800.74M
Peer Avg: $734.17M
#22 of 112 Top 18.8% in 750M-1B tier

Top Weaknesses (8 metrics)

106
First Mortgage Concentration (%)
balance_sheet
Value: 56.07%
Peer Avg: 33.64%
#106 of 112 Bottom 6.2% in 750M-1B tier
106
Members Per Employee (MPE)
engagement
Value: 210.787
Peer Avg: 361.634
#106 of 112 Bottom 6.2% in 750M-1B tier
102
Loan Growth Rate
growth
Value: -4.56%
Peer Avg: 4.84%
#102 of 112 Bottom 9.8% in 750M-1B tier
98
Efficiency Ratio
profitability
Value: 85.23%
Peer Avg: 74.52%
#98 of 112 Bottom 13.4% in 750M-1B tier
98
Loan-to-Share Ratio
balance_sheet
Value: 63.09%
Peer Avg: 82.66%
#98 of 112 Bottom 13.4% in 750M-1B tier
91
Member Growth Rate
growth
Value: -1.91%
Peer Avg: 1.14%
#91 of 112 Bottom 19.6% in 750M-1B tier
90
Total Loans
balance_sheet
Value: $505.15M
Peer Avg: $603.36M
#90 of 112 Bottom 20.5% in 750M-1B tier
86
Fee Income Per Member
profitability
Value: $149.20
Peer Avg: $204.75
#86 of 112 Bottom 24.1% in 750M-1B tier