BlastPoint's Credit Union Scorecard

GOLDEN RULE COMMUNITY

Charter #67096 · WI

<100M

2508 CUs in <100M nationally 51 in WI

GOLDEN RULE COMMUNITY has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.73% above tier average
+ Net Interest Margin 0.19% above tier average
+ Net Charge-Off Rate: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 5.29% above tier (higher cost structure)
- Member decline: -7.3% YoY
- Member Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	2,950 -7.3% YoY-24.6% QoQ	+273	2,676 +1.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	67%
Assets	$41.9M +4.3% YoY+1.4% QoQ	+$11.7M	$30.2M +1.3% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	70%
Loans	$12.1M -6.7% YoY-3.0% QoQ	$-3.2M	$15.3M -2.0% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	56%
Deposits	$36.5M +4.2% YoY+1.2% QoQ	+$10.8M	$25.8M +0.7% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	71%

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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	0.9% +14.2% YoY-15.8% QoQ	+0.7%	0.1% -77.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	63%
NIM	4.2% -6.9% YoY-6.3% QoQ	+0.2%	4.0% +4.0% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	95.9% +14.7% YoY+19.0% QoQ	+5.3%	90.6% +6.5% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.7% -29.1% YoY+31.9% QoQ	-0.8	1.5% +3.8% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	50%
Loan To Share	33.1% -10.5% YoY-4.1% QoQ	-25.4%	58.5% -3.0% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Bottom 14.2% in tier
AMR	$16,489 +9.2% YoY+32.8% QoQ	+$2K	$14,884 -1.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	63%
CD Concentration	5.8% +22.9% YoY-7.3% QoQ	-18.5%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

149

Net Charge-Off Rate

risk

Value: -0.22%

Peer Median: 0.07%

#149 of 2508 Top 5.9% in <100M tier

277

AMR Growth Rate

growth

Value: 9.20%

Peer Median: 1.27%

#277 of 2508 Top 11.0% in <100M tier

Top Weaknesses (5 metrics)

2262

Member Growth Rate

growth

Value: -7.29%

Peer Median: -1.37%

#2262 of 2508 Bottom 9.8% in <100M tier

2167

Members Per Employee (MPE)

engagement

Value: 184.375

Peer Median: 333.750

#2167 of 2508 Bottom 13.6% in <100M tier

2162

First Mortgage Concentration (%)

balance_sheet

Value: 39.56%

Peer Median: 3.66%

#2162 of 2508 Bottom 13.8% in <100M tier

2150

Loan-to-Share Ratio

balance_sheet

Value: 33.13%

Peer Median: 58.72%

#2150 of 2508 Bottom 14.3% in <100M tier

1996

Efficiency Ratio

profitability

Value: 95.92%

Peer Median: 81.45%

#1996 of 2508 Bottom 20.5% in <100M tier