BlastPoint's Credit Union Scorecard
HOLY REDEEMER COMMUNITY OF SE WIS.
Charter #68044 · WI
2556 CUs in <100M nationally
52 in WI
HOLY REDEEMER COMMUNITY OF SE WIS. has 10 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.23% above tier average
- + Net Interest Margin 0.27% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.8% in tier
- + Net Worth Ratio: Top 5.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Efficiency Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Total Loans: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 3.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Total Assets: Bottom 4.2% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Total Members: Bottom 6.2% in tier
- - Loan-to-Share Ratio: Bottom 9.0% in tier
- - Fee Income Per Member: Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
248
+2.9% YoY+0.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 6.1% in tier |
| Assets |
$746,924
+5.6% YoY-0.7% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.1% in tier |
| Loans |
$135,650
+46.7% YoY+0.5% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.2% in tier |
| Deposits |
$477,459
-2.9% YoY-1.0% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.9% in tier |
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| ROA |
1.8%
-44.8% YoY-5.9% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 8.9% in tier |
| NIM |
4.2%
-19.4% YoY+1.5% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
57.2%
+54.2% YoY+6.1% QoQ
|
-25.4% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.8% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
28.4%
+51.1% YoY+1.5% QoQ
|
-32.2% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.9% in tier |
| AMR |
$2,472
+2.0% YoY-1.1% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
22
Loan Growth Rate
growth
Value:
46.75%
Peer Median: -
#22 of 2556
Top 0.8% in <100M tier
153
Net Worth Ratio
risk
Value:
30.11%
Peer Median: -
#153 of 2556
Top 5.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
226
Efficiency Ratio
profitability
Value:
57.16%
Peer Median: -
#226 of 2556
Top 8.8% in <100M tier
228
Return on Assets (ROA)
profitability
Value:
1.85%
Peer Median: -
#228 of 2556
Top 8.9% in <100M tier
286
Member Growth Rate
growth
Value:
2.90%
Peer Median: -
#286 of 2556
Top 11.2% in <100M tier
Top Weaknesses (9 metrics)
2473
Total Loans
balance_sheet
Value:
$135,650
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2467
Average Member Relationship (AMR)
engagement
Value:
$2,472
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2459
Loan-to-Member Ratio (LMR)
engagement
Value:
$546.98
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2457
Total Deposits
balance_sheet
Value:
$477,459
Peer Median: -
#2457 of 2556
Bottom 3.9% in <100M tier
2450
Total Assets
balance_sheet
Value:
$746,924
Peer Median: -
#2450 of 2556
Bottom 4.2% in <100M tier
2448
Members Per Employee (MPE)
engagement
Value:
62.000
Peer Median: -
#2448 of 2556
Bottom 4.3% in <100M tier
2398
Total Members
engagement
Value:
248
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2326
Loan-to-Share Ratio
balance_sheet
Value:
28.41%
Peer Median: -
#2326 of 2556
Bottom 9.0% in <100M tier
2302
Fee Income Per Member
profitability
Value:
$2.60
Peer Median: -
#2302 of 2556
Bottom 10.0% in <100M tier