BlastPoint's Credit Union Scorecard
SUPERIOR CHOICE
Charter #67173 · WI
SUPERIOR CHOICE faces 16 concerns requiring attention
How does the industry compare?
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 1.3% in tier
- - Accelerating Exit Risk: Bottom 10.9% in tier
- - Stagnation Risk: Bottom 12.7% in tier
- - Membership Headwinds: Bottom 20.1% in tier
- - Shrinking Wallet Share: Bottom 45.9% in tier
- - Efficiency Drag: Bottom 84.4% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 10.02% above tier (higher cost structure)
- - Member decline: -5.6% YoY
- - Net Worth Ratio: Bottom 2.4% in tier
- - Asset Growth Rate: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - First Mortgage Concentration (%): Bottom 4.2% in tier
- - Loan Growth Rate: Bottom 5.5% in tier
- - Member Growth Rate: Bottom 6.7% in tier
- - AMR Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,618
-5.6% YoY-1.4% QoQ
|
-957 |
38,575
-4.8% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$717.6M
-6.8% YoY+2.6% QoQ
|
+$95.9M |
$621.7M
+0.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 11.5% in tier |
| Loans |
$533.4M
-10.2% YoY-2.4% QoQ
|
+$103.5M |
$429.8M
-1.8% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$615.9M
-6.5% YoY+3.8% QoQ
|
+$77.2M |
$538.7M
+0.6% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.3%
-132.0% YoY+50.9% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.4%
+18.9% YoY+1.2% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
87.5%
+3.1% YoY-0.7% QoQ
|
+10.0% |
77.5%
-4.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
0.5%
-56.2% YoY+3.9% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
86.6%
-3.9% YoY-5.9% QoQ
|
+6.8% |
79.8%
-2.3% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$30,551
-2.8% YoY+2.3% QoQ
|
+$4K |
$26,849
+2.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
30.3%
-13.2% YoY+5.8% QoQ
|
+5.9% | 24.4% | 21.5% | 19.8% | 72% |
| Indirect Auto % |
7.9%
-35.3% YoY-35.9% QoQ
|
-5.9% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)