BlastPoint's Credit Union Scorecard
NORTHWOODS COMMUNITY
Charter #67240 · WI
NORTHWOODS COMMUNITY has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.15% above tier average
- + Total Deposits: Top 2.0% in tier
- + Total Assets: Top 2.4% in tier
- + Total Members: Top 3.4% in tier
- + Total Loans: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.59% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Indirect Auto Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,156
-3.0% YoY-1.2% QoQ
|
+5.5K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Top 3.4% in tier |
| Assets |
$93.0M
+1.7% YoY+0.0% QoQ
|
+$63.2M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Top 2.5% in tier |
| Loans |
$51.1M
-13.3% YoY-2.2% QoQ
|
+$35.4M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Top 5.1% in tier |
| Deposits |
$82.4M
+0.8% YoY-0.1% QoQ
|
+$57.0M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Top 2.0% in tier |
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| ROA |
0.9%
+18.1% YoY+10.5% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
4.1%
+7.3% YoY+5.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
82.0%
+0.4% YoY-1.4% QoQ
|
+0.6% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.8%
+21.3% YoY+16.8% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
62.1%
-14.0% YoY-2.1% QoQ
|
+0.8% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$16,375
-2.1% YoY+0.3% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
12.8%
-12.9% YoY-16.1% QoQ
|
-11.6% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.4%
-9.0% YoY-1.1% QoQ
|
+9.4% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)