BlastPoint's Credit Union Scorecard
SUPERIOR CHOICE
Charter #67173 · WI
SUPERIOR CHOICE faces 16 concerns requiring attention
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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
- - Accelerating Exit Risk: Bottom 0.4% in tier
- - Institutional Decline: Bottom 0.4% in tier
- - Membership Headwinds: Bottom 4.0% in tier
- - Shrinking Wallet Share: Bottom 8.4% in tier
- - Stagnation Risk: Bottom 9.1% in tier
- - Efficiency Drag: Bottom 24.3% in tier
- - Liquidity Strain: Bottom 32.6% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 10.05% above tier (higher cost structure)
- - Member decline: -7.1% YoY
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.4% in tier
- - Net Worth Ratio: Bottom 2.4% in tier
- - Member Growth Rate: Bottom 3.6% in tier
- - First Mortgage Concentration (%): Bottom 4.1% in tier
- - Loan Growth Rate: Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,156
-7.1% YoY-1.2% QoQ
|
-1.6K |
39,752
-2.7% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$699.3M
-11.3% YoY-0.8% QoQ
|
+$76.9M |
$622.4M
+0.3% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
77% |
| Loans |
$546.2M
-10.2% YoY-3.3% QoQ
|
+$110.3M |
$435.9M
-0.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Top 13.6% in tier |
| Deposits |
$593.6M
-11.5% YoY-1.2% QoQ
|
+$55.6M |
$538.0M
+1.3% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
0.2%
-137.6% YoY+777.6% QoQ
|
-0.5% |
0.7%
+33.9% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
15% |
| NIM |
3.3%
+20.8% YoY+3.5% QoQ
|
-0.1% |
3.4%
+8.6% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
88.1%
+6.0% YoY-0.1% QoQ
|
+10.0% |
78.1%
-3.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 14.2% in tier |
| Delinquency Rate |
0.5%
-58.8% YoY-25.8% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
92.0%
+1.5% YoY-2.1% QoQ
|
+11.0% |
81.0%
-1.8% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$29,873
-4.0% YoY-1.0% QoQ
|
+$3K |
$26,482
+2.6% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
28.7%
-19.6% YoY+6.1% QoQ
|
+4.2% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
66% |
| Indirect Auto % |
12.3%
-8.4% YoY+24.8% QoQ
|
-1.6% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
57% |
Signature Analysis
Strengths (0)
Concerns (7)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)