BlastPoint's Credit Union Scorecard
LAKEWOOD
Charter #66999 · WI
LAKEWOOD has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Loan Growth Rate: Top 2.1% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Asset Growth Rate: Top 3.9% in tier
- + Deposit Growth Rate: Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.05% below tier average
- - Efficiency ratio 10.90% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
- - First Mortgage Concentration (%): Bottom 3.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
- Shares and deposits +14.0% year over year ($14.2M in shares and deposits).
- Membership: 1,141 members, +1.1% vs a year ago.
- Delinquency rate 1.91%.
- Return on assets 0.44%.
- Efficiency ratio 99.67% vs a 88.77% peer average.
- Loan-to-share ratio 82.16% vs a 58.89% 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 |
1,141
+1.1% YoY+1.0% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$16.0M
+12.7% YoY+7.2% QoQ
|
$-14.3M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$11.7M
+27.6% YoY+7.3% QoQ
|
$-3.8M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$14.2M
+14.0% YoY+8.1% QoQ
|
$-11.6M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.4%
+88.7% YoY-131.4% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
4.0%
+5.4% YoY+1.0% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
99.7%
+18.7% YoY-13.2% QoQ
|
+10.9% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate |
1.9%
+11.4% YoY+48.9% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
82.2%
+11.9% YoY-0.7% QoQ
|
+23.3% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$22,639
+18.5% YoY+6.7% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Top 14.0% in tier |
| CD Concentration |
19.8%
+35.4% YoY+7.5% QoQ
|
-4.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)