BlastPoint's Credit Union Scorecard
OAKDALE
Charter #67200 · WI
OAKDALE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.26% above tier average
- + Net Interest Margin 0.32% above tier average
- + Total Delinquency Rate (60+ days): Top 3.9% in tier
- + Efficiency Ratio: Top 6.0% in tier
- + Net Charge-Off Rate: Top 7.0% in tier
- + Share Certificate Concentration (%): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,345
+0.5% YoY-0.5% QoQ
|
-4.1K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$127.8M
+8.4% YoY+2.5% QoQ
|
$-104.1M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$67.5M
-3.5% YoY-1.3% QoQ
|
$-79.9M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.0% in tier |
| Deposits |
$109.7M
+6.5% YoY+2.1% QoQ
|
$-91.1M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
2.0%
-11.3% YoY-3.5% QoQ
|
+1.3% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 2.2% in tier |
| NIM |
3.9%
-4.6% YoY-2.1% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
58.5%
+4.1% YoY+0.9% QoQ
|
-18.5% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
0.1%
-26.4% YoY-8.7% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Top 3.9% in tier |
| Loan To Share |
61.5%
-9.4% YoY-3.4% QoQ
|
-10.7% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$15,621
+1.9% YoY+1.3% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.8% in tier |
| CD Concentration |
8.8%
+9.8% YoY+2.2% QoQ
|
-15.6% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)