BlastPoint's Credit Union Scorecard
GOLDEN RULE COMMUNITY
Charter #67096 · WI
GOLDEN RULE COMMUNITY has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + AMR Growth Rate: Top 1.0% in tier
- + Net Charge-Off Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Member decline: -26.9% YoY
- - Member Growth Rate: Bottom 1.1% in tier
- - Members Per Employee (MPE): Bottom 9.7% 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 +5.3% year over year ($36.9M in shares and deposits).
- Membership: 2,936 members, -26.9% vs a year ago.
- Delinquency rate 1.05%.
- Return on assets 0.77%.
- Efficiency ratio 88.15% vs a 88.77% peer average.
- Loan-to-share ratio 32.38% 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 |
2,936
-26.9% YoY-0.5% QoQ
|
+350 |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$42.6M
+5.5% YoY+1.6% QoQ
|
+$12.3M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$11.9M
-7.5% YoY-1.4% QoQ
|
$-3.5M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$36.9M
+5.3% YoY+0.9% QoQ
|
+$11.1M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
0.8%
-31.2% YoY-11.6% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.2%
-7.8% YoY-0.2% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
88.2%
+10.1% YoY-8.1% QoQ
|
-0.6% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
1.0%
+44.7% YoY+59.0% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
32.4%
-12.2% YoY-2.3% QoQ
|
-26.5% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.8% in tier |
| AMR |
$16,620
+39.4% YoY+0.8% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
6.1%
+35.1% YoY+6.2% QoQ
|
-18.4% | 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)