N.E.W.

Charter #67017 | WI

100M-500M (1077 CUs) Micro
27 100M-500M in WI

N.E.W. has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.7% in tier
  • + Relationship Depth Leader: Top 6.4% in tier
  • + Emerging Performer: Top 10.5% in tier
  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 1.9% in tier
  • + Net Charge-Off Rate: Top 3.2% in tier
  • + AMR Growth Rate: Top 5.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 4.6% in tier
  • - Credit Quality Pressure: Bottom 16.9% in tier
  • - First Mortgage Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 12,187
+0.5% YoY+0.3% QoQ
 -3.4K 15,628
-3.4% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 43rd in tier
Assets $158.3M
+5.4% YoY+1.0% QoQ
 $-73.0M $231.3M
-0.0% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $99.3M
+27.7% YoY+11.4% QoQ
 $-48.5M $147.8M
-1.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $138.0M
+4.2% YoY+0.7% QoQ
 $-62.3M $200.3M
-0.0% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 34th in tier
ROA 1.1%
+20.8% YoY-5.7% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 3.8%
+10.1% YoY+0.4% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 74.9%
-5.9% YoY+0.5% QoQ
 -2.4% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 42nd in tier
Delinquency Rate 0.5%
+47.2% YoY+7.8% QoQ
 -0.4 0.9%
+7.6% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 34th in tier
Loan To Share 71.9%
+22.5% YoY+10.6% QoQ
 -0.8% 72.7%
-1.5% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $19,470
+12.4% YoY+4.6% QoQ
 $-5K $24,363
+2.9% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 32nd in tier
CD Concentration 10.5%
+17.1% YoY+10.5% QoQ
 -13.9% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#76 of 1006 • Top 2.7% in tier

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

Why This Signature
AMR Growth (YoY): 12.36%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#177 of 1006 • Top 6.4% in tier

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

Why This Signature
AMR Growth (YoY): 12.36%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#198 of 627 • Top 10.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.10%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.49%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (2)

Growth-at-Risk

risk
#70 of 446 • Bottom 4.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 27.72%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#420 of 736 • Bottom 16.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
22
Loan Growth Rate
growth
Value: 27.72%
Peer Avg: 3.45%
#22 of 1077 Top 1.9% in 100M-500M tier
35
Net Charge-Off Rate
risk
Value: 0.01%
Peer Avg: 0.47%
#35 of 1077 Top 3.2% in 100M-500M tier
61
AMR Growth Rate
growth
Value: 12.36%
Peer Avg: 3.64%
#61 of 1077 Top 5.6% in 100M-500M tier
124
Share Certificate Concentration (%)
balance_sheet
Value: 10.49%
Peer Avg: 23.61%
#124 of 1077 Top 11.4% in 100M-500M tier

Top Weaknesses (3 metrics)

993
First Mortgage Concentration (%)
balance_sheet
Value: 56.67%
Peer Avg: 30.43%
#993 of 1077 Bottom 7.9% in 100M-500M tier
888
Fee Income Per Member
profitability
Value: $105.15
Peer Avg: $174.31
#888 of 1077 Bottom 17.6% in 100M-500M tier
816
Members Per Employee (MPE)
engagement
Value: 264.935
Peer Avg: 332.881
#816 of 1077 Bottom 24.3% in 100M-500M tier