BlastPoint's Credit Union Scorecard
SUMMIT
Charter #67190 · WI
SUMMIT has 6 strengths but faces 1 concern
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 Leader: Top 31.2% in tier
- + Organic Growth Engine: Top 31.2% in tier
- + ROA 0.24% above tier average
- + Loan-to-Share Ratio: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.1% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 2 that size in Wisconsin.
- Shares and deposits +9.8% year over year ($6.85B in shares and deposits).
- Membership: 281,962 members, +4.1% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 1.27%.
- Efficiency ratio 60.36% vs a 66.07% peer average.
- Loan-to-share ratio 100.85% vs a 81.29% 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 |
281,962
+4.1% YoY+1.3% QoQ
|
-156.9K |
438,885
-1.1% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Bottom 14.3% in tier |
| Assets |
$8.5B
+9.4% YoY+2.6% QoQ
|
$-397.1M |
$8.9B
+0.0% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$6.9B
+12.1% YoY+4.3% QoQ
|
+$692.7M |
$6.2B
-0.6% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$6.9B
+9.8% YoY+2.8% QoQ
|
$-806.3M |
$7.7B
+2.7% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.3% in tier |
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| ROA |
1.3%
+16.5% YoY+11.5% QoQ
|
+0.2% |
1.0%
+4.7% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
2.9%
+3.1% YoY+1.8% QoQ
|
-0.1% |
3.1%
+6.6% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
60.4%
-2.3% YoY-3.7% QoQ
|
-5.7% |
66.1%
+1.6% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
0.7%
-22.1% YoY+9.4% QoQ
|
-0.1 |
0.8%
+23.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
100.9%
+2.2% YoY+1.5% QoQ
|
+19.6% |
81.3%
-3.8% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 7.1% in tier |
| AMR |
$48,797
+6.5% YoY+2.2% QoQ
|
+$12K |
$37,279
+8.1% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Top 14.3% in tier |
| CD Concentration |
42.3%
+1.9% YoY-0.2% QoQ
|
+13.9% | 28.3% | 21.6% | 20.0% | Top 9.1% in tier |
| Indirect Auto % |
8.7%
-3.1% YoY+0.7% QoQ
|
-8.1% | 16.8% | 8.4% | 7.7% | 32% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)