BlastPoint's Credit Union Scorecard
SUMMIT
Charter #67190 · WI
SUMMIT has 8 strengths but faces 5 concerns
How does the industry compare?
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 28.6% in tier
- + Organic Growth Engine: Top 30.2% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 89.5% in tier
- + ROA 0.28% above tier average
- + Average Member Relationship (AMR): Top 6.1% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
- + Deposit Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.4% in tier
- - Credit Risk Growth: Bottom 30.0% in tier
- - Credit Quality Pressure: Bottom 47.2% in tier
- - Delinquency rate 0.01% above tier average
- - Members Per Employee (MPE): Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
275,590
+3.5% YoY+0.8% QoQ
|
-170.3K |
445,922
+0.4% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.1% in tier |
| Assets |
$8.1B
+8.5% YoY+1.7% QoQ
|
$-835.2M |
$8.9B
+0.9% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$6.5B
+8.5% YoY+2.8% QoQ
|
+$211.3M |
$6.3B
+0.8% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$6.5B
+9.5% YoY+1.4% QoQ
|
$-1.1B |
$7.5B
+1.2% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.1% in tier |
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| ROA |
1.3%
+60.0% YoY+6.6% QoQ
|
+0.3% |
1.0%
+27.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
2.9%
+6.1% YoY+0.1% QoQ
|
-0.1% |
3.0%
+12.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
59.4%
-4.2% YoY-2.1% QoQ
|
-5.4% |
64.8%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.7%
+13.9% YoY-10.3% QoQ
|
+0.0 |
0.7%
+5.5% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
100.1%
-0.9% YoY+1.4% QoQ
|
+16.7% |
83.4%
-0.6% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$46,933
+5.4% YoY+1.2% QoQ
|
+$13K |
$34,266
-1.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 9.1% in tier |
| CD Concentration |
42.7%
+6.9% YoY+1.9% QoQ
|
+13.5% | 29.1% | 21.5% | 19.8% | Top 9.0% in tier |
| Indirect Auto % |
8.8%
-0.5% YoY-2.8% QoQ
|
-8.3% | 17.1% | 8.0% | 7.8% | 28% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)