BlastPoint's Credit Union Scorecard

BRANTWOOD

Charter #67003 · WI

<100M

2508 CUs in <100M nationally 51 in WI

BRANTWOOD faces 5 concerns requiring attention

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 2.27% below tier average
- Delinquency rate 5.54% above tier average
- Member decline: -2.5% YoY
- Share Certificate Concentration (%): Bottom 0.6% in tier
- Total Delinquency Rate (60+ days): Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	807 -2.5% YoY-0.5% QoQ	-1.9K	2,676 +1.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	23%
Assets	$7.2M +6.0% YoY+0.1% QoQ	$-23.0M	$30.2M +1.3% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	26%
Loans	$5.3M -2.4% YoY-0.6% QoQ	$-10.0M	$15.3M -2.0% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	36%
Deposits	$6.5M +6.8% YoY+0.6% QoQ	$-19.3M	$25.8M +0.7% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	27%

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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	-2.1% +658.9% YoY-1043.9% QoQ	-2.3%	0.1% -77.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	Bottom 4.4% in tier
NIM	3.8% +4.9% YoY+4.5% QoQ	-0.3%	4.0% +4.0% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	68.3% -2.5% YoY-0.1% QoQ	-22.3%	90.6% +6.5% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	23%
Delinquency Rate	7.0% +0.5% YoY-7.7% QoQ	+5.5	1.5% +3.8% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	Bottom 3.6% in tier
Loan To Share	80.8% -8.6% YoY-1.2% QoQ	+22.3%	58.5% -3.0% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	83%
AMR	$14,625 +5.2% YoY+0.6% QoQ	$-259	$14,884 -1.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	53%
CD Concentration	68.9% +0.5% YoY-0.2% QoQ	+44.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

409

Deposit Growth Rate

growth

Value: 6.82%

Peer Median: 0.66%

#409 of 2508 Top 16.3% in <100M tier

431

Loan-to-Share Ratio

balance_sheet

Value: 80.85%

Peer Median: 58.72%

#431 of 2508 Top 17.1% in <100M tier

488

Asset Growth Rate

growth

Value: 6.01%

Peer Median: 1.30%

#488 of 2508 Top 19.4% in <100M tier

579

Efficiency Ratio

profitability

Value: 68.34%

Peer Median: 81.45%

#579 of 2508 Top 23.0% in <100M tier

Top Weaknesses (6 metrics)

2493

Share Certificate Concentration (%)

balance_sheet

Value: 68.89%

Peer Median: 12.45%

#2493 of 2508 Bottom 0.6% in <100M tier

2418

Total Delinquency Rate (60+ days)

risk

Value: 7.05%

Peer Median: 0.65%

#2418 of 2508 Bottom 3.6% in <100M tier

2398

Return on Assets (ROA)

profitability

Value: -2.12%

Peer Median: 0.61%

#2398 of 2508 Bottom 4.4% in <100M tier

2193

Net Charge-Off Rate

risk

Value: 1.11%

Peer Median: 0.07%

#2193 of 2508 Bottom 12.6% in <100M tier

2186

Net Worth Ratio

risk

Value: 9.40%

Peer Median: 14.28%

#2186 of 2508 Bottom 12.9% in <100M tier

1928

Total Members

engagement

Value: 807

Peer Median: 1,918

#1928 of 2508 Bottom 23.2% in <100M tier