BlastPoint's Credit Union Scorecard

COMMUNITY FOCUS

Charter #14098 · MI

2596 CUs in <100M nationally 61 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 5.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.63% below tier average
- Efficiency ratio 19.12% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 3.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	4,657 -1.0% YoY+1.3% QoQ	+2.0K	2,625 -2.2% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	84%
Assets	$65.2M -0.8% YoY+0.4% QoQ	+$35.4M	$29.9M +1.1% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	Top 14.3% in tier
Loans	$30.8M -3.1% YoY+6.7% QoQ	+$15.0M	$15.8M -2.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	82%
Deposits	$54.7M -2.6% YoY-1.4% QoQ	+$29.2M	$25.5M +0.4% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	85%

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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	0.1% -133.6% YoY-81.3% QoQ	-0.6%	0.7% -731.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	18%
NIM	3.3% +13.0% YoY+1.3% QoQ	-0.7%	3.9% +3.8% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	27%
Efficiency Ratio	100.5% -9.6% YoY+1.8% QoQ	+19.1%	81.4% -2.4% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Top 10.6% in tier
Delinquency Rate	0.5% -43.6% YoY+23.1% QoQ	-1.0	1.5% -2.0% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	44%
Loan To Share	56.3% -0.4% YoY+8.3% QoQ	-4.9%	61.2% -3.0% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	42%
AMR	$18,348 -1.9% YoY+0.1% QoQ	+$4K	$14,627 -2.7% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	73%
CD Concentration	13.7% -22.4% YoY-2.2% QoQ	-10.8%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	34.5% -15.8% YoY-10.1% QoQ	+20.6%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (5 metrics)

131

Fee Income Per Member

profitability

Value: $219.39

Peer Avg: -

#131 of 2596 Top 5.0% in <100M tier

372

Total Assets

balance_sheet

Value: $65.21M

Peer Avg: -

#372 of 2596 Top 14.3% in <100M tier

395

Total Deposits

balance_sheet

Value: $54.66M

Peer Avg: -

#395 of 2596 Top 15.2% in <100M tier

424

Total Members

engagement

Value: 4,657

Peer Avg: -

#424 of 2596 Top 16.3% in <100M tier

454

Total Loans

balance_sheet

Value: $30.79M

Peer Avg: -

#454 of 2596 Top 17.4% in <100M tier

Top Weaknesses (6 metrics)

2507

Indirect Auto Concentration (%)

balance_sheet

Value: 34.55%

Peer Avg: -

#2507 of 2596 Bottom 3.5% in <100M tier

2322

Efficiency Ratio

profitability

Value: 100.52%

Peer Avg: -

#2322 of 2596 Bottom 10.6% in <100M tier

2140

Members Per Employee (MPE)

engagement

Value: 211.682

Peer Avg: -

#2140 of 2596 Bottom 17.6% in <100M tier

2132

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Avg: -

#2132 of 2596 Bottom 17.9% in <100M tier

2094

First Mortgage Concentration (%)

balance_sheet

Value: 31.06%

Peer Avg: -

#2094 of 2596 Bottom 19.4% in <100M tier

2059

Net Charge-Off Rate

risk

Value: 0.73%

Peer Avg: -

#2059 of 2596 Bottom 20.7% in <100M tier