BlastPoint's Credit Union Scorecard
SUMMIT
Charter #67190 · WI
SUMMIT has 6 strengths but faces 6 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
- + Organic Growth Engine: Top 9.5% in tier
- + Organic Growth Leader: Top 16.9% in tier
- + Relationship Depth Leader: Top 30.8% in tier
- + ROA 0.14% above tier average
- + Average Member Relationship (AMR): Top 6.7% in tier
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.1% in tier
- - Credit Risk Growth: Bottom 9.3% in tier
- - Credit Quality Pressure: Bottom 10.7% in tier
- - Delinquency rate 0.14% above tier average
- - Members Per Employee (MPE): Bottom 10.0% in tier
- - Total Members: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
273,364
+3.3% YoY+1.0% QoQ
|
-185.9K |
459,296
+3.8% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 6.7% in tier |
| Assets |
$8.0B
+6.5% YoY+2.1% QoQ
|
$-962.7M |
$8.9B
+1.2% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.0% in tier |
| Loans |
$6.3B
+8.4% YoY+2.2% QoQ
|
$-45.8M |
$6.3B
+2.9% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$6.4B
+7.9% YoY+2.2% QoQ
|
$-1.1B |
$7.5B
+2.3% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.0% in tier |
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| ROA |
1.2%
+67.8% YoY+7.6% QoQ
|
+0.1% |
1.0%
+22.1% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
2.9%
+6.6% YoY+1.2% QoQ
|
-0.1% |
3.0%
+11.5% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
60.6%
-2.1% YoY-1.9% QoQ
|
-3.1% |
63.7%
-2.2% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.8%
+17.5% YoY-2.4% QoQ
|
+0.1 |
0.7%
+10.8% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
98.7%
+0.4% YoY+0.0% QoQ
|
+13.3% |
85.4%
+0.7% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$46,357
+4.8% YoY+1.2% QoQ
|
+$13K |
$33,660
-2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 10.0% in tier |
| CD Concentration |
41.9%
+5.2% YoY+0.9% QoQ
|
+13.0% |
28.9%
-1.3% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
Top 9.4% in tier |
| Indirect Auto % |
9.0%
+0.6% YoY-0.1% QoQ
|
-7.6% |
16.6%
-10.3% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
30% |
Signature Analysis
Strengths (3)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)