BlastPoint's Credit Union Scorecard

SUPERIOR CHOICE

Charter #67173 · WI

Community 500M-750M

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

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SUPERIOR CHOICE has 2 strengths but faces 8 concerns

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

+ Relationship Depth Leader: Top 68.3% in tier
+ Total Assets: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 9.8% in tier
- Efficiency Drag: Bottom 15.1% in tier
- Stagnation Risk: Bottom 88.5% in tier
- Membership Headwinds: Bottom 88.5% in tier
- ROA 0.34% below tier average
- Efficiency ratio 11.41% above tier (higher cost structure)
- Member decline: -4.5% YoY
- Loan Growth Rate: Bottom 3.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 5 that size in Wisconsin.
Shares and deposits +4.2% year over year ($626M in shares and deposits).
Membership: 36,895 members, -4.5% vs a year ago.
Delinquency rate 0.57%.
Return on assets 0.48%.
Efficiency ratio 87.97% vs a 76.56% peer average.
Loan-to-share ratio 80.75% vs a 79.33% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	36,895 -4.5% YoY-1.0% QoQ	-1.0K	37,897 -5.0% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	50%
Assets	$730.3M +3.6% YoY+0.6% QoQ	+$108.0M	$622.4M +0.6% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	Top 9.7% in tier
Loans	$505.6M -10.5% YoY-2.0% QoQ	+$77.1M	$428.5M -0.7% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	75%
Deposits	$626.2M +4.2% YoY+0.4% QoQ	+$86.4M	$539.8M +0.9% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	Top 13.3% in tier

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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	0.5% +24.6% QoQ	-0.3%	0.8% +39.5% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	28%
NIM	3.1% -3.8% YoY+1.3% QoQ	-0.4%	3.5% +5.0% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	21%
Efficiency Ratio	88.0% -0.3% YoY-2.8% QoQ	+11.4%	76.6% -3.6% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	Bottom 12.7% in tier
Delinquency Rate	0.6% -18.6% YoY+35.9% QoQ	-0.2	0.8% +3.1% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	37%
Loan To Share	80.8% -14.1% YoY-2.3% QoQ	+1.4%	79.3% -1.4% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	47%
AMR	$30,677 +1.6% YoY+0.3% QoQ	+$3K	$27,294 +4.1% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	73%
CD Concentration	30.8% +14.2% YoY-1.4% QoQ	+6.3%	24.6%	21.6%	20.0%	73%
Indirect Auto %	5.9% -40.7% YoY-14.5% QoQ	-7.8%	13.6%	8.4%	7.7%	47%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#246 of 262 • Top 68.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.63%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.8K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 276 Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (4)

Institutional Decline

decline

#5 of 230 • Bottom 9.8% in tier

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

Why This Signature

Total Assets: $730.34M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -4.49%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -10.51%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY

Stagnation Risk

risk

#69 of 549 • Bottom 88.5% 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): -4.49%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -10.51%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.57%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#149 of 549 • Bottom 88.5% in tier

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

Why This Signature

Member Growth (YoY): -4.49%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Efficiency Drag

risk

#391 of 531 • Bottom 15.1% in tier

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

Why This Signature

Efficiency Ratio: 87.97%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.46% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -4.49%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 165 peers in tier

Top Strengths (4 metrics)

Total Assets

balance_sheet

Value: $730.34M

Peer Median: $621.76M

#16 of 165 Top 9.1% in 500M-750M tier

Total Deposits

balance_sheet

Value: $626.18M

Peer Median: $542.48M

#22 of 165 Top 12.7% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $13,705

Peer Median: $11,477

#40 of 165 Top 23.6% in 500M-750M tier

Total Loans

balance_sheet

Value: $505.65M

Peer Median: $428.72M

#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (7 metrics)

161

Loan Growth Rate

growth

Value: -10.51%

Peer Median: 4.82%

#161 of 165 Bottom 3.0% in 500M-750M tier

161

Net Worth Ratio

risk

Value: 7.54%

Peer Median: 10.42%

#161 of 165 Bottom 3.0% in 500M-750M tier

158

First Mortgage Concentration (%)

balance_sheet

Value: 64.30%

Peer Median: 34.05%

#158 of 165 Bottom 4.8% in 500M-750M tier

150

Member Growth Rate

growth

Value: -4.49%

Peer Median: 0.59%

#150 of 165 Bottom 9.7% in 500M-750M tier

149

Members Per Employee (MPE)

engagement

Value: 239.578

Peer Median: 313.721

#149 of 165 Bottom 10.3% in 500M-750M tier

145

Efficiency Ratio

profitability

Value: 87.97%

Peer Median: 77.45%

#145 of 165 Bottom 12.7% in 500M-750M tier

130

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: 3.55%

#130 of 165 Bottom 21.8% in 500M-750M tier