BlastPoint's Credit Union Scorecard

MICHIGAN COLUMBUS

Charter #5554 · MI

2556 CUs in <100M nationally 59 in MI

MICHIGAN COLUMBUS has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.42% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	4,596 +1.5% YoY+14.9% QoQ	+2.0K	2,615 -1.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	83%
Assets	$73.8M -1.0% YoY+1.1% QoQ	+$43.7M	$30.1M +2.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Top 10.6% in tier
Loans	$27.6M -6.2% YoY-2.6% QoQ	+$11.8M	$15.8M -1.3% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	80%
Deposits	$61.8M -2.1% YoY+1.2% QoQ	+$36.2M	$25.7M +1.4% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 11.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -5.2% YoY+3.2% QoQ	+0.4%	0.6% +10.8% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	67%
NIM	3.6% +16.5% YoY-1.5% QoQ	-0.4%	4.0% +4.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	67.7% -3.9% YoY-2.8% QoQ	-14.9%	82.6% -2.3% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	23%
Delinquency Rate	1.0% +93.5% YoY-46.2% QoQ	-0.6	1.6% -3.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	60%
Loan To Share	44.6% -4.2% YoY-3.7% QoQ	-16.1%	60.6% -3.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	25%
AMR	$19,452 -4.9% YoY-13.0% QoQ	+$5K	$14,783 -1.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	77%
CD Concentration	12.9% +24.8% YoY+21.2% QoQ	-11.5%	24.4%	18.6%	19.8%	50%
Indirect Auto %	0.0% -100.0% YoY	-13.8%	13.8%	11.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

271

Total Assets

balance_sheet

Value: $73.81M

Peer Median: -

#271 of 2556 Top 10.6% in <100M tier

288

Total Deposits

balance_sheet

Value: $61.85M

Peer Median: -

#288 of 2556 Top 11.2% in <100M tier

426

Total Members

engagement

Value: 4,596

Peer Median: -

#426 of 2556 Top 16.6% in <100M tier

500

Member Growth Rate

growth

Value: 1.50%

Peer Median: -

#500 of 2556 Top 19.5% in <100M tier

518

Total Loans

balance_sheet

Value: $27.56M

Peer Median: -

#518 of 2556 Top 20.2% in <100M tier

587

Average Member Relationship (AMR)

engagement

Value: $19,452

Peer Median: -

#587 of 2556 Top 22.9% in <100M tier

593

Efficiency Ratio

profitability

Value: 67.70%

Peer Median: -

#593 of 2556 Top 23.2% in <100M tier

Top Weaknesses (2 metrics)

2431

First Mortgage Concentration (%)

balance_sheet

Value: 57.45%

Peer Median: -

#2431 of 2556 Bottom 4.9% in <100M tier

2129

AMR Growth Rate

growth

Value: -4.86%

Peer Median: -

#2129 of 2556 Bottom 16.7% in <100M tier