BlastPoint's Credit Union Scorecard

SUPERIOR CHOICE

Charter #67173 · WI

Community 500M-750M

167 CUs in 500M-750M nationally 5 in WI

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SUPERIOR CHOICE faces 8 concerns requiring attention

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WI Analysis

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 10.1% in tier
- Efficiency Drag: Bottom 12.9% in tier
- Shrinking Wallet Share: Bottom 82.7% in tier
- Stagnation Risk: Bottom 90.1% in tier
- Membership Headwinds: Bottom 90.1% in tier
- Accelerating Exit Risk: Bottom 90.1% in tier
- ROA 0.30% below tier average
- Efficiency ratio 12.08% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	37,252 -4.9% YoY-1.0% QoQ	-827	38,079 -4.8% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	51%
Assets	$725.8M -1.4% YoY+1.1% QoQ	+$106.1M	$619.7M -0.2% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Top 11.4% in tier
Loans	$515.7M -10.8% YoY-3.3% QoQ	+$96.4M	$419.3M -1.4% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	83%
Deposits	$623.9M -0.3% YoY+1.3% QoQ	+$84.4M	$539.5M -0.1% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	84%

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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	0.4% -141.8% YoY+23.9% QoQ	-0.3%	0.7% +36.0% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	28%
NIM	3.0% +3.9% YoY-9.3% QoQ	-0.4%	3.5% +4.5% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	90.5% -8.6% YoY+3.3% QoQ	+12.1%	78.4% -3.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	Bottom 10.8% in tier
Delinquency Rate	0.4% -62.2% YoY-22.4% QoQ	-0.3	0.7% -0.9% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	31%
Loan To Share	82.7% -10.5% YoY-4.5% QoQ	+5.0%	77.7% -1.2% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	57%
AMR	$30,592 -0.5% YoY+0.1% QoQ	+$4K	$26,927 +3.1% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	75%
CD Concentration	31.2% +12.7% YoY+3.1% QoQ	+7.0%	24.3%	21.6%	19.8%	75%
Indirect Auto %	6.9% -37.8% YoY-13.2% QoQ	-6.9%	13.8%	8.0%	7.7%	48%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Institutional Decline

decline

#5 of 250 • Bottom 10.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $725.80M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -10.84%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#81 of 570 • Bottom 90.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -10.84%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#133 of 570 • Bottom 90.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Accelerating Exit Risk

decline

#26 of 53 • Bottom 90.1% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -0.53%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 284 Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Efficiency Drag

risk

#469 of 596 • Bottom 12.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.46%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 1.30% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -4.87%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#232 of 238 • Bottom 82.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.53%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

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 167 peers in tier

Top Strengths (5 metrics)

Total Assets

balance_sheet

Value: $725.80M

Peer Median: $619.16M

#19 of 167 Top 10.8% in 500M-750M tier

Total Deposits

balance_sheet

Value: $623.87M

Peer Median: $543.36M

#26 of 167 Top 15.0% in 500M-750M tier

Total Loans

balance_sheet

Value: $515.74M

Peer Median: $427.27M

#28 of 167 Top 16.2% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $13,845

Peer Median: $11,231

#34 of 167 Top 19.8% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $30,592

Peer Median: $25,600

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (10 metrics)

164

Net Worth Ratio

risk

Value: 7.44%

Peer Median: 10.35%

#164 of 167 Bottom 2.4% in 500M-750M tier

161

Loan Growth Rate

growth

Value: -10.84%

Peer Median: 4.25%

#161 of 167 Bottom 4.2% in 500M-750M tier

161

First Mortgage Concentration (%)

balance_sheet

Value: 63.71%

Peer Median: 32.87%

#161 of 167 Bottom 4.2% in 500M-750M tier

156

Member Growth Rate

growth

Value: -4.87%

Peer Median: 1.03%

#156 of 167 Bottom 7.2% in 500M-750M tier

150

Efficiency Ratio

profitability

Value: 90.46%

Peer Median: 78.61%

#150 of 167 Bottom 10.8% in 500M-750M tier

150

Asset Growth Rate

growth

Value: -1.42%

Peer Median: 4.66%

#150 of 167 Bottom 10.8% in 500M-750M tier

147

Members Per Employee (MPE)

engagement

Value: 241.896

Peer Median: 318.730

#147 of 167 Bottom 12.6% in 500M-750M tier

141

Deposit Growth Rate

growth

Value: -0.33%

Peer Median: 4.02%

#141 of 167 Bottom 16.2% in 500M-750M tier

139

AMR Growth Rate

growth

Value: -0.53%

Peer Median: 4.03%

#139 of 167 Bottom 17.4% in 500M-750M tier

133

Net Interest Margin (NIM)

profitability

Value: 3.04%

Peer Median: 3.48%

#133 of 167 Bottom 21.0% in 500M-750M tier