BlastPoint's Credit Union Scorecard

BLACKHAWK COMMUNITY

Charter #66998 · WI

Community 750M-1B

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

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BLACKHAWK COMMUNITY has 2 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 46.2% in tier
+ Net Charge-Off Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 2.1% in tier
- Efficiency Drag: Bottom 7.0% in tier
- Stagnation Risk: Bottom 71.4% in tier
- Membership Headwinds: Bottom 71.4% in tier
- ROA 0.54% below tier average
- Efficiency ratio 18.35% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 3.4% in tier
- First Mortgage Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	44,169 -1.8% YoY-0.3% QoQ	-7.3K	51,500 +0.7% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	33%
Assets	$931.7M +5.1% YoY+2.3% QoQ	+$66.1M	$865.6M +0.9% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	76%
Loans	$502.8M -2.1% YoY+0.3% QoQ	$-92.4M	$595.3M +1.6% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	17%
Deposits	$828.5M +4.8% YoY+2.3% QoQ	+$86.3M	$742.2M +0.6% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -34.2% YoY-54.6% QoQ	-0.5%	0.8% +45.0% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	Bottom 14.5% in tier
NIM	3.0% -2.6% YoY-7.5% QoQ	-0.5%	3.5% +6.1% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	93.9% +6.6% YoY+9.0% QoQ	+18.4%	75.5% -3.4% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	Bottom 2.6% in tier
Delinquency Rate	0.4% -2.6% YoY-40.9% QoQ	-0.3	0.7% -0.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	33%
Loan To Share	60.7% -6.6% YoY-2.0% QoQ	-19.9%	80.6% +0.7% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Bottom 11.1% in tier
AMR	$30,142 +3.9% YoY+1.8% QoQ	+$1K	$28,908 +0.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	63%
CD Concentration	21.4% +2.6% YoY+0.0% QoQ	-2.9%	24.3%	21.6%	19.8%	40%
Indirect Auto %	9.8% -24.9% YoY-3.2% QoQ	-4.0%	13.8%	8.0%	7.7%	53%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#164 of 257 • Top 46.2% 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): 3.94%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk

#34 of 596 • Bottom 7.0% in tier

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

Why This Signature

Efficiency Ratio: 93.89%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.81%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Institutional Decline

decline

#122 of 250 • Bottom 2.1% in tier

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

Why This Signature

Total Assets: $931.72M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.81%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.15%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#339 of 570 • Bottom 71.4% 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): -1.81%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.15%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.41%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#382 of 570 • Bottom 71.4% in tier

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

Why This Signature

Member Growth (YoY): -1.81%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | 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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (4 metrics)

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.47%

#11 of 117 Top 8.5% in 750M-1B tier

Total Deposits

balance_sheet

Value: $828.51M

Peer Median: $735.65M

#20 of 117 Top 16.2% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.40%

Peer Median: 26.77%

#27 of 117 Top 22.2% in 750M-1B tier

Total Assets

balance_sheet

Value: $931.72M

Peer Median: $858.87M

#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (8 metrics)

115

Efficiency Ratio

profitability

Value: 93.89%

Peer Median: 77.38%

#115 of 117 Bottom 2.6% in 750M-1B tier

114

Members Per Employee (MPE)

engagement

Value: 206.397

Peer Median: 328.468

#114 of 117 Bottom 3.4% in 750M-1B tier

109

First Mortgage Concentration (%)

balance_sheet

Value: 56.57%

Peer Median: 32.60%

#109 of 117 Bottom 7.7% in 750M-1B tier

104

Loan-to-Share Ratio

balance_sheet

Value: 60.69%

Peer Median: 84.41%

#104 of 117 Bottom 12.0% in 750M-1B tier

101

Loan Growth Rate

growth

Value: -2.15%

Peer Median: 4.33%

#101 of 117 Bottom 14.5% in 750M-1B tier

100

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: 0.63%

#100 of 117 Bottom 15.4% in 750M-1B tier

Total Loans

balance_sheet

Value: $502.83M

Peer Median: $618.21M

#97 of 117 Bottom 17.9% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.47%

#90 of 117 Bottom 23.9% in 750M-1B tier