BlastPoint's Credit Union Scorecard

FORT COMMUNITY

Charter #67184 · WI

1069 CUs in 100M-500M nationally 26 in WI

FORT COMMUNITY has 2 strengths but faces 6 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

  • + Wallet Share Momentum: Top 85.9% in tier
  • + Total Loans: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.8% in tier
  • - Credit Risk Growth: Bottom 13.0% in tier
  • - Indirect Auto Dependency: Bottom 84.2% in tier
  • - ROA 0.03% below tier average
  • - Delinquency rate 1.08% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 7.7% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 21,687
+0.0% YoY-0.5% QoQ
 +6.2K 15,437
-2.9% YoY
 38,882
+6.1% YoY
 33,374
+5.7% YoY
 80%
Assets $405.9M
+5.6% YoY+1.9% QoQ
 +$174.0M $231.9M
+1.3% YoY
 $734.5M
+12.6% YoY
 $561.6M
+9.7% YoY
 Top 10.3% in tier
Loans $273.5M
+7.8% YoY+1.0% QoQ
 +$126.1M $147.3M
-0.1% YoY
 $568.1M
+11.9% YoY
 $397.0M
+8.8% YoY
 Top 9.8% in tier
Deposits $329.7M
+4.2% YoY+1.4% QoQ
 +$128.9M $200.8M
+0.8% YoY
 $617.8M
+12.3% YoY
 $477.3M
+9.7% YoY
 Top 13.6% 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 0.7%
+68.1% YoY+3.1% QoQ
 -0.0% 0.8%
+18.2% YoY
 0.9%
+14.0% YoY
 0.7%
+15.9% YoY
 48%
NIM 3.3%
+9.5% YoY+1.2% QoQ
 -0.3% 3.6%
+6.7% YoY
 3.7%
+4.8% YoY
 3.8%
+5.1% YoY
 32%
Efficiency Ratio 76.4%
-7.8% YoY-0.3% QoQ
 -0.6% 77.0%
-3.1% YoY
 75.8%
-1.1% YoY
 79.7%
-3.3% YoY
 47%
Delinquency Rate 2.0%
+61.0% YoY+53.8% QoQ
 +1.1 0.9%
+4.2% YoY
 1.5%
+86.3% YoY
 1.3%
-2.1% YoY
 Top 7.7% in tier
Loan To Share 82.9%
+3.5% YoY-0.5% QoQ
 +10.7% 72.2%
-1.1% YoY
 80.0%
-0.6% YoY
 67.4%
-1.7% YoY
 71%
AMR $27,814
+5.8% YoY+1.7% QoQ
 +$3K $24,676
+3.4% YoY
 $23,366
+4.9% YoY
 $19,687
+2.0% YoY
 74%
CD Concentration 24.5%
-1.4% YoY+1.6% QoQ
 +0.0% 24.4% 21.5% 19.8% 50%
Indirect Auto % 16.0%
-22.2% YoY-8.4% QoQ
 +2.2% 13.8% 8.0% 7.8% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#441 of 513 • Top 85.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.78%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#70 of 705 • Bottom 9.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.75% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk
#60 of 456 • Bottom 13.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.85%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.75% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk
#426 of 506 • Bottom 84.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.65%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 16.03%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 0.05%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 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)

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

105
Total Loans
balance_sheet
Value: $273.46M
Peer Median: -
#105 of 1069 Top 9.7% in 100M-500M tier
110
Total Assets
balance_sheet
Value: $405.85M
Peer Median: -
#110 of 1069 Top 10.2% in 100M-500M tier
145
Total Deposits
balance_sheet
Value: $329.74M
Peer Median: -
#145 of 1069 Top 13.5% in 100M-500M tier
208
Total Members
engagement
Value: 21,687
Peer Median: -
#208 of 1069 Top 19.4% in 100M-500M tier
221
Loan-to-Member Ratio (LMR)
engagement
Value: $12,609
Peer Median: -
#221 of 1069 Top 20.6% in 100M-500M tier
267
Loan Growth Rate
growth
Value: 7.85%
Peer Median: -
#267 of 1069 Top 24.9% in 100M-500M tier

Top Weaknesses (1 metrics)

988
Total Delinquency Rate (60+ days)
risk
Value: 1.97%
Peer Median: -
#988 of 1069 Bottom 7.7% in 100M-500M tier
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