BlastPoint's Credit Union Scorecard
FLAGSHIP COMMUNITY
Charter #13391 · MI
FLAGSHIP COMMUNITY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Member decline: -10.6% YoY
- - Member Growth Rate: Bottom 5.5% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits -1.7% year over year ($30.7M in shares and deposits).
- Membership: 3,015 members, -10.6% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 0.74%.
- Efficiency ratio 82.88% vs a 88.77% peer average.
- Loan-to-share ratio 54.78% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,015
-10.6% YoY-1.1% QoQ
|
+429 |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$34.8M
-0.9% YoY+3.7% QoQ
|
+$4.5M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$16.8M
-5.5% YoY-2.3% QoQ
|
+$1.4M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$30.7M
-1.7% YoY+4.4% QoQ
|
+$4.9M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.7%
-21.9% YoY+17.4% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
4.3%
+1.7% YoY-0.1% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
82.9%
+6.5% YoY-1.7% QoQ
|
-5.9% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.3%
-42.5% YoY-8.2% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
54.8%
-3.8% YoY-6.4% QoQ
|
-4.1% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$15,781
+8.4% YoY+3.0% QoQ
|
+$819 |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
7.0%
-5.7% YoY-3.1% QoQ
|
-17.5% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
8.7%
+1.7% YoY+6.2% QoQ
|
-4.9% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)