BlastPoint's Credit Union Scorecard

COMMUNITY FOCUS

Charter #14098 · MI

<100M

2556 CUs in <100M nationally 59 in MI

COMMUNITY FOCUS has 1 strength 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

+ Fee Income Per Member: Top 6.3% in tier

Key Concerns

Areas that may need attention

- ROA 1.12% below tier average
- Efficiency ratio 27.02% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 3.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	4,680 +0.1% YoY+0.5% QoQ	+2.1K	2,615 -1.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	84%
Assets	$66.3M +3.6% YoY+1.6% QoQ	+$36.1M	$30.1M +2.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Top 14.2% in tier
Loans	$30.6M +1.2% YoY-0.5% QoQ	+$14.9M	$15.8M -1.3% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	83%
Deposits	$57.5M +5.4% YoY+5.1% QoQ	+$31.8M	$25.7M +1.4% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 13.7% in tier

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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	-0.5% +236.7% YoY-978.7% QoQ	-1.1%	0.6% +10.8% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Bottom 8.9% in tier
NIM	3.3% +6.4% YoY-0.6% QoQ	-0.7%	4.0% +4.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	26%
Efficiency Ratio	109.6% +0.9% YoY+9.0% QoQ	+27.0%	82.6% -2.3% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	Bottom 6.5% in tier
Delinquency Rate	0.8% -24.1% YoY+42.8% QoQ	-0.8	1.6% -3.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	52%
Loan To Share	53.3% -4.0% YoY-5.4% QoQ	-7.3%	60.6% -3.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	38%
AMR	$18,823 +3.8% YoY+2.6% QoQ	+$4K	$14,783 -1.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	74%
CD Concentration	13.0% -20.4% YoY-5.1% QoQ	-11.5%	24.4%	18.6%	19.8%	50%
Indirect Auto %	33.9% -16.7% YoY-2.0% QoQ	+20.1%	13.8%	11.8%	7.8%	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 2556 peers in tier

Top Strengths (6 metrics)

162

Fee Income Per Member

profitability

Value: $204.31

Peer Median: -

#162 of 2556 Top 6.3% in <100M tier

350

Total Deposits

balance_sheet

Value: $57.47M

Peer Median: -

#350 of 2556 Top 13.7% in <100M tier

362

Total Assets

balance_sheet

Value: $66.28M

Peer Median: -

#362 of 2556 Top 14.1% in <100M tier

410

Total Members

engagement

Value: 4,680

Peer Median: -

#410 of 2556 Top 16.0% in <100M tier

438

Total Loans

balance_sheet

Value: $30.62M

Peer Median: -

#438 of 2556 Top 17.1% in <100M tier

602

Deposit Growth Rate

growth

Value: 5.41%

Peer Median: -

#602 of 2556 Top 23.5% in <100M tier

Top Weaknesses (6 metrics)

2468

Indirect Auto Concentration (%)

balance_sheet

Value: 33.86%

Peer Median: -

#2468 of 2556 Bottom 3.5% in <100M tier

2390

Efficiency Ratio

profitability

Value: 109.58%

Peer Median: -

#2390 of 2556 Bottom 6.5% in <100M tier

2328

Return on Assets (ROA)

profitability

Value: -0.50%

Peer Median: -

#2328 of 2556 Bottom 9.0% in <100M tier

2086

Net Charge-Off Rate

risk

Value: 0.90%

Peer Median: -

#2086 of 2556 Bottom 18.4% in <100M tier

2051

First Mortgage Concentration (%)

balance_sheet

Value: 30.75%

Peer Median: -

#2051 of 2556 Bottom 19.8% in <100M tier

2047

Members Per Employee (MPE)

engagement

Value: 222.857

Peer Median: -

#2047 of 2556 Bottom 20.0% in <100M tier