BlastPoint's Credit Union Scorecard
SERVICE 1
Charter #4038 · MI
SERVICE 1 has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Net Interest Margin 0.66% above tier average
- + Net Worth Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 36.4% in tier
- - Accelerating Exit Risk: Bottom 40.0% in tier
- - Credit Quality Pressure: Bottom 54.4% in tier
- - Stagnation Risk: Bottom 56.2% in tier
- - Membership Headwinds: Bottom 59.3% in tier
- - Shrinking Wallet Share: Bottom 66.7% in tier
- - Liquidity Overhang: Bottom 76.9% in tier
- - Institutional Decline: Bottom 78.7% in tier
- - Member decline: -2.1% YoY
- - Deposit Growth Rate: Bottom 2.8% in tier
- - Asset Growth Rate: Bottom 5.2% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,559
-2.1% YoY-1.8% QoQ
|
+6.1K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$194.5M
-3.1% YoY-2.9% QoQ
|
$-37.3M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$140.9M
-2.1% YoY-3.8% QoQ
|
$-6.4M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$157.8M
-5.4% YoY-3.8% QoQ
|
$-43.0M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
1.2%
+25.7% YoY+5.9% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
4.3%
+16.5% YoY+4.0% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
75.9%
-3.5% YoY+0.3% QoQ
|
-1.1% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.5%
+58.4% YoY+8.6% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
89.3%
+3.6% YoY-0.0% QoQ
|
+17.1% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$13,858
-1.8% YoY-2.0% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
21.6%
-11.6% YoY-3.6% QoQ
|
-2.8% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
9.7%
-14.8% YoY-1.5% QoQ
|
-4.1% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)