BlastPoint's Credit Union Scorecard
GLACIER HILLS
Charter #67238 · WI
GLACIER HILLS has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Charge-Off Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
- Shares and deposits +4.1% year over year ($251M in shares and deposits).
- Membership: 17,068 members, +0.2% vs a year ago.
- Delinquency rate 0.91%.
- Return on assets 1.17%.
- Efficiency ratio 69.89% vs a 76.73% peer average.
- Loan-to-share ratio 81.86% vs a 71.54% 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 |
17,068
+0.2% YoY+0.2% QoQ
|
+1.9K |
15,168
-2.6% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$285.8M
+5.3% YoY+0.6% QoQ
|
+$53.8M |
$232.0M
+0.7% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$205.3M
+6.1% YoY+3.2% QoQ
|
+$59.0M |
$146.3M
+0.2% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$250.7M
+4.1% YoY-0.1% QoQ
|
+$50.0M |
$200.7M
+0.2% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
1.2%
+13.6% YoY+18.4% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
3.5%
+5.6% YoY+3.3% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
69.9%
-3.1% YoY-3.9% QoQ
|
-6.8% |
76.7%
-0.8% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
0.9%
+42.6% YoY+18.5% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
81.9%
+1.9% YoY+3.3% QoQ
|
+10.3% |
71.5%
-0.3% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
69% |
| AMR |
$26,716
+4.8% YoY+1.2% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
25.2%
-4.3% YoY-3.8% QoQ
|
+0.7% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
1.5%
-7.2% YoY-5.5% QoQ
|
-12.1% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
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)