BlastPoint's Credit Union Scorecard

AWAKON

Charter #7465 · MI

100M-500M

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

AWAKON has 5 strengths but faces 3 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

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.07% above tier average
+ Net Interest Margin 1.11% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.33% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	14,774 +1.1% YoY-0.1% QoQ	-663	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	57%
Assets	$197.3M +4.8% YoY-0.1% QoQ	$-34.5M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	50%
Loans	$135.8M +2.1% YoY-0.7% QoQ	$-11.6M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	55%
Deposits	$167.6M +2.8% YoY-1.5% QoQ	$-33.2M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	49%

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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	1.8% +33.1% YoY-3.0% QoQ	+1.1%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Top 3.7% in tier
NIM	4.7% +7.3% YoY+2.4% QoQ	+1.1%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 5.9% in tier
Efficiency Ratio	65.9% -3.4% YoY+2.6% QoQ	-11.1%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	17%
Delinquency Rate	1.2% +40.3% YoY+12.8% QoQ	+0.3	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	79%
Loan To Share	81.0% -0.7% YoY+0.8% QoQ	+8.8%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	66%
AMR	$20,532 +1.3% YoY-1.0% QoQ	$-4K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	37%
CD Concentration	14.5% +2.7% YoY+3.4% QoQ	-9.9%	24.4%	18.6%	19.8%	50%
Indirect Auto %	7.8% -23.6% YoY-4.4% QoQ	-6.0%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#220 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.14%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.84%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 7.83%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#87 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.84%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.14%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#342 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.14%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 7.83%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#207 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.35% 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

#280 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.07%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.35% 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

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 (5 metrics)

Return on Assets (ROA)

profitability

Value: 1.84%

Peer Median: -

#40 of 1069 Top 3.6% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.72%

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

144

Fee Income Per Member

profitability

Value: $250.66

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

178

Efficiency Ratio

profitability

Value: 65.90%

Peer Median: -

#178 of 1069 Top 16.6% in 100M-500M tier

224

Share Certificate Concentration (%)

balance_sheet

Value: 14.53%

Peer Median: -

#224 of 1069 Top 20.9% in 100M-500M tier

Top Weaknesses (1 metrics)

847

Total Delinquency Rate (60+ days)

risk

Value: 1.23%

Peer Median: -

#847 of 1069 Bottom 20.9% in 100M-500M tier