BlastPoint's Credit Union Scorecard

FLAGSHIP COMMUNITY

Charter #13391 · MI

<100M

2508 CUs in <100M nationally 56 in MI

FLAGSHIP COMMUNITY has 2 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

+ ROA 0.49% above tier average
+ Net Interest Margin 0.27% above tier average

Key Concerns

Areas that may need attention

- Member decline: -10.9% YoY
- Member Growth Rate: Bottom 5.1% in tier
- Indirect Auto Concentration (%): Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	3,048 -10.9% YoY-3.2% QoQ	+371	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	68%
Assets	$33.5M -3.0% YoY-1.9% QoQ	+$3.3M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	63%
Loans	$17.2M -1.5% YoY-0.3% QoQ	+$2.0M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	66%
Deposits	$29.5M -4.4% YoY-2.4% QoQ	+$3.7M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	64%

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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	0.6% -23.8% YoY-26.6% QoQ	+0.5%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	51%
NIM	4.3% +3.2% YoY-0.9% QoQ	+0.3%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	84.3% +6.6% YoY+4.1% QoQ	-6.3%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.3% -28.2% YoY+25.0% QoQ	-1.2	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	36%
Loan To Share	58.5% +3.0% YoY+2.2% QoQ	+0.0%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	50%
AMR	$15,316 +8.4% YoY+1.7% QoQ	+$432	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	58%
CD Concentration	7.3% -9.2% YoY+0.4% QoQ	-17.0%	24.3%	18.6%	19.8%	50%
Indirect Auto %	8.2% -9.0% YoY+1.0% QoQ	-5.6%	13.8%	11.7%	7.7%	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 2508 peers in tier

Top Strengths (1 metrics)

328

AMR Growth Rate

growth

Value: 8.44%

Peer Median: 1.27%

#328 of 2508 Top 13.0% in <100M tier

Top Weaknesses (5 metrics)

2381

Member Growth Rate

growth

Value: -10.88%

Peer Median: -1.37%

#2381 of 2508 Bottom 5.1% in <100M tier

2273

Indirect Auto Concentration (%)

balance_sheet

Value: 8.21%

Peer Median: 0.00%

#2273 of 2508 Bottom 9.4% in <100M tier

2145

First Mortgage Concentration (%)

balance_sheet

Value: 38.48%

Peer Median: 3.66%

#2145 of 2508 Bottom 14.5% in <100M tier

1985

Deposit Growth Rate

growth

Value: -4.40%

Peer Median: 0.66%

#1985 of 2508 Bottom 20.9% in <100M tier

1942

Asset Growth Rate

growth

Value: -3.02%

Peer Median: 1.30%

#1942 of 2508 Bottom 22.6% in <100M tier