BlastPoint's Credit Union Scorecard
GOLDEN RULE COMMUNITY
Charter #67096 · WI
GOLDEN RULE COMMUNITY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 0.53% above tier average
- + Strong member growth: 21.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,913
+21.1% YoY+28.2% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$41.3M
+1.9% YoY+2.6% QoQ
|
+$11.2M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$12.5M
-2.9% YoY-2.2% QoQ
|
$-3.3M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$36.1M
+1.6% YoY+2.9% QoQ
|
+$10.4M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
1.0%
-11.1% YoY+5.2% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
4.5%
-5.8% YoY-1.6% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
80.6%
+6.2% YoY-1.1% QoQ
|
-1.9% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.5%
-57.2% YoY-4.6% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
34.6%
-4.5% YoY-5.0% QoQ
|
-26.1% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.2% in tier |
| AMR |
$12,412
-17.1% YoY-20.8% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
6.2%
+28.4% YoY+20.6% QoQ
|
-18.2% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)