BlastPoint's Credit Union Scorecard

INTEGRA FIRST

Charter #5748 · MI

1069 CUs in 100M-500M nationally 68 in MI

INTEGRA FIRST has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 23.5% in tier
- Credit Quality Pressure: Bottom 38.2% in tier
- Credit Risk Growth: Bottom 41.5% in tier
- Indirect Auto Dependency: Bottom 93.1% in tier
- ROA 0.43% below tier average
- Efficiency ratio 8.74% above tier (higher cost structure)
- Delinquency rate 0.11% above tier average
- Fee Income Per Member: Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	11,490 +0.2% YoY+0.2% QoQ	-3.9K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	39%
Assets	$133.1M +3.0% YoY+1.8% QoQ	$-98.8M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	22%
Loans	$81.2M +5.3% YoY-0.6% QoQ	$-66.1M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	23%
Deposits	$120.5M +2.2% YoY+1.4% QoQ	$-80.3M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	26%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +261.0% YoY+4.2% QoQ	-0.4%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	20%
NIM	3.8% +19.4% YoY+0.3% QoQ	+0.2%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	58%
Efficiency Ratio	85.8% -6.7% YoY-0.1% QoQ	+8.7%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	80%
Delinquency Rate	1.0% +38.8% YoY+30.8% QoQ	+0.1	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	69%
Loan To Share	67.4% +3.1% YoY-2.0% QoQ	-4.8%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	37%
AMR	$17,555 +3.2% YoY+0.4% QoQ	$-7K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	19%
CD Concentration	14.3% -14.0% YoY+2.2% QoQ	-10.1%	24.4%	18.6%	19.8%	50%
Indirect Auto %	17.0% +26.5% YoY-5.4% QoQ	+3.3%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#127 of 538 • Bottom 23.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.76%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 0.21%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#270 of 705 • Bottom 38.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#190 of 456 • Bottom 41.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.30%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#471 of 506 • Bottom 93.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.04%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 17.05%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.21%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (1 metrics)

217

Share Certificate Concentration (%)

balance_sheet

Value: 14.28%

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

Top Weaknesses (8 metrics)

984

Fee Income Per Member

profitability

Value: $84.25

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

910

Net Worth Ratio

risk

Value: 9.10%

Peer Median: -

#910 of 1069 Bottom 15.0% in 100M-500M tier

865

Average Member Relationship (AMR)

engagement

Value: $17,555

Peer Median: -

#865 of 1069 Bottom 19.2% in 100M-500M tier

860

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

854

Efficiency Ratio

profitability

Value: 85.76%

Peer Median: -

#854 of 1069 Bottom 20.2% in 100M-500M tier

836

Total Assets

balance_sheet

Value: $133.11M

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier

819

Total Loans

balance_sheet

Value: $81.23M

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier

815

Loan-to-Member Ratio (LMR)

engagement

Value: $7,070

Peer Median: -

#815 of 1069 Bottom 23.9% in 100M-500M tier