BlastPoint's Credit Union Scorecard

GRACO

Charter #15304 · MI

<100M

2508 CUs in <100M nationally 56 in MI

GRACO has 4 strengths but faces 1 concern

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 0.30% above tier average
+ Asset Growth Rate: Top 1.4% in tier
+ Deposit Growth Rate: Top 1.6% in tier
+ AMR Growth Rate: Top 5.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	3,377 -1.7% YoY+0.4% QoQ	+700	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	73%
Assets	$37.6M +20.0% YoY+9.8% QoQ	+$7.4M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	67%
Loans	$15.7M -4.2% YoY-1.9% QoQ	+$437K	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	64%
Deposits	$33.7M +20.8% YoY+10.5% QoQ	+$7.9M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	68%

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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	0.4% -43.7% YoY-56.1% QoQ	+0.3%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	42%
NIM	3.7% -15.5% YoY-11.7% QoQ	-0.3%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	45%
Efficiency Ratio	85.4% +12.9% YoY+10.5% QoQ	-5.2%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	0.7% +25.5% YoY-15.2% QoQ	-0.8	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	52%
Loan To Share	46.6% -20.7% YoY-11.2% QoQ	-11.9%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	31%
AMR	$14,633 +13.4% YoY+5.8% QoQ	$-251	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	53%
CD Concentration	8.5% +9.9% YoY-2.4% QoQ	-15.8%	24.3%	18.6%	19.8%	50%
Indirect Auto %	38.6% -4.9% YoY+0.4% QoQ	+24.8%	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 (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Asset Growth Rate

growth

Value: 20.04%

Peer Median: 1.30%

#36 of 2508 Top 1.4% in <100M tier

Deposit Growth Rate

growth

Value: 20.79%

Peer Median: 0.66%

#40 of 2508 Top 1.6% in <100M tier

135

AMR Growth Rate

growth

Value: 13.44%

Peer Median: 1.27%

#135 of 2508 Top 5.3% in <100M tier

480

Fee Income Per Member

profitability

Value: $125.26

Peer Median: $60.42

#480 of 2508 Top 19.1% in <100M tier

Top Weaknesses (2 metrics)

2443

Indirect Auto Concentration (%)

balance_sheet

Value: 38.62%

Peer Median: 0.00%

#2443 of 2508 Bottom 2.6% in <100M tier

2168

Net Worth Ratio

risk

Value: 9.52%

Peer Median: 14.28%

#2168 of 2508 Bottom 13.6% in <100M tier