BlastPoint's Credit Union Scorecard

UKRAINIAN SELFRELIANCE MICHIGAN

Charter #8000 · MI

100M-500M

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

UKRAINIAN SELFRELIANCE MICHIGAN has 4 strengths 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Net Charge-Off Rate: Top 0.8% in tier
+ Average Member Relationship (AMR): Top 7.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Total Members: Bottom 2.0% in tier
- Loan-to-Share Ratio: Bottom 3.2% in tier
- Total Loans: Bottom 3.6% in tier
- First Mortgage Concentration (%): Bottom 5.2% in tier
- Net Interest Margin (NIM): Bottom 6.2% in tier
- Fee Income Per Member: Bottom 7.2% in tier
- Loan Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	4,403 +0.6% YoY+0.3% QoQ	-11.0K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	Bottom 1.9% in tier
Assets	$138.0M +2.8% YoY+4.2% QoQ	$-93.9M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	24%
Loans	$43.6M -5.8% YoY-1.6% QoQ	$-103.7M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Bottom 3.6% in tier
Deposits	$119.6M +1.3% YoY+4.6% QoQ	$-81.2M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	25%

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	0.8% +72.5% YoY-9.0% QoQ	+0.0%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	54%
NIM	2.5% +16.4% YoY-0.6% QoQ	-1.1%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Bottom 6.1% in tier
Efficiency Ratio	71.3% -11.6% YoY+3.9% QoQ	-5.7%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	29%
Delinquency Rate	0.3% -78.6% YoY	-0.6	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	18%
Loan To Share	36.5% -7.0% YoY-5.9% QoQ	-35.7%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Bottom 3.1% in tier
AMR	$37,080 -1.2% YoY+2.5% QoQ	+$12K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	Top 7.5% in tier
CD Concentration	33.6% +7.5% YoY-3.3% QoQ	+9.1%	24.4%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#449 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.57%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.80%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(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

Organic Growth Leader

growth

#417 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): 0.57%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(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 (1)

Shrinking Wallet Share

decline

#168 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.25%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.00%

Peer Median: -

#10 of 1069 Top 0.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $37,080

Peer Median: -

#80 of 1069 Top 7.4% in 100M-500M tier

190

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

Top Weaknesses (11 metrics)

1049

Total Members

engagement

Value: 4,403

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1036

Loan-to-Share Ratio

balance_sheet

Value: 36.49%

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

1031

Total Loans

balance_sheet

Value: $43.65M

Peer Median: -

#1031 of 1069 Bottom 3.6% in 100M-500M tier

1014

First Mortgage Concentration (%)

balance_sheet

Value: 61.73%

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

1004

Net Interest Margin (NIM)

profitability

Value: 2.52%

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

993

Fee Income Per Member

profitability

Value: $81.87

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

972

Loan Growth Rate

growth

Value: -5.76%

Peer Median: -

#972 of 1069 Bottom 9.2% in 100M-500M tier

932

AMR Growth Rate

growth

Value: -1.25%

Peer Median: -

#932 of 1069 Bottom 12.9% in 100M-500M tier

868

Share Certificate Concentration (%)

balance_sheet

Value: 33.57%

Peer Median: -

#868 of 1069 Bottom 18.9% in 100M-500M tier

829

Members Per Employee (MPE)

engagement

Value: 259.000

Peer Median: -

#829 of 1069 Bottom 22.5% in 100M-500M tier