BlastPoint's Credit Union Scorecard
SUMMIT
Charter #67190 · WI
SUMMIT has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 23.4% in tier
- + Wallet Share Momentum: Top 23.4% in tier
- + Organic Growth Engine: Top 35.9% in tier
- + Organic Growth Leader: Top 35.9% in tier
- + ROA 0.20% above tier average
- + Loan-to-Share Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.6% in tier
- - Credit Risk Growth: Bottom 20.3% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
278,241
+3.9% YoY+1.0% QoQ
|
-158.6K |
436,889
-2.3% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 13.8% in tier |
| Assets |
$8.3B
+9.0% YoY+2.6% QoQ
|
$-605.9M |
$8.9B
-0.1% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$6.6B
+10.0% YoY+2.4% QoQ
|
+$474.9M |
$6.1B
-1.1% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$6.7B
+9.3% YoY+3.1% QoQ
|
$-988.1M |
$7.7B
+1.8% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.8% in tier |
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| ROA |
1.1%
+15.9% YoY-8.9% QoQ
|
+0.2% |
0.9%
+16.3% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
2.9%
+3.1% YoY-0.1% QoQ
|
-0.2% |
3.1%
+6.3% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
62.7%
+0.8% YoY+5.5% QoQ
|
-3.4% |
66.1%
-2.8% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
0.6%
+3.0% YoY-18.6% QoQ
|
+0.0 |
0.6%
+12.0% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
99.3%
+0.6% YoY-0.7% QoQ
|
+18.9% |
80.4%
-3.4% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 6.9% in tier |
| AMR |
$47,758
+5.6% YoY+1.8% QoQ
|
+$11K |
$37,056
+6.8% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Top 13.8% in tier |
| CD Concentration |
42.3%
+5.3% YoY-0.8% QoQ
|
+13.7% | 28.6% | 21.6% | 19.8% | Top 9.1% in tier |
| Indirect Auto % |
8.7%
-3.2% YoY-0.9% QoQ
|
-7.7% | 16.4% | 8.0% | 7.7% | 32% |
Signature Analysis
Strengths (4)
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 (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)