BlastPoint's Credit Union Scorecard
N.E.W.
Charter #67017 · WI
N.E.W. has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.0% in tier
- + Organic Growth Engine: Top 53.4% in tier
- + Organic Growth Leader: Top 83.8% in tier
- + Emerging Performer: Top 84.0% in tier
- + ROA 0.37% above tier average
- + Net Interest Margin 0.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.5% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Net Charge-Off Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.2% in tier
- - Credit Quality Pressure: Bottom 40.1% in tier
- - First Mortgage Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,204
+1.1% YoY+0.1% QoQ
|
-3.2K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$165.2M
+9.3% YoY+4.4% QoQ
|
$-66.7M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$102.3M
+27.4% YoY+3.0% QoQ
|
$-45.1M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$144.4M
+9.3% YoY+4.6% QoQ
|
$-56.4M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
1.1%
+14.8% YoY+2.9% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.8%
+10.4% YoY-1.7% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
74.1%
-5.2% YoY-1.1% QoQ
|
-2.9% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.4%
+144.5% YoY-2.7% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
70.8%
+16.5% YoY-1.5% QoQ
|
-1.4% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$20,215
+14.9% YoY+3.8% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
11.3%
+32.6% YoY+7.6% QoQ
|
-13.1% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)