BlastPoint's Credit Union Scorecard

JOURNEY

Charter #20943 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

JOURNEY faces 7 concerns requiring attention

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency ratio 4.02% above tier (higher cost structure)
- Loan Growth Rate: Bottom 6.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	17,238 -0.0% YoY+0.4% QoQ	+2.1K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	67%
Assets	$189.6M +3.3% YoY+3.0% QoQ	$-42.1M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	47%
Loans	$104.8M -7.2% YoY-3.6% QoQ	$-39.4M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	39%
Deposits	$169.5M +3.2% YoY+3.4% QoQ	$-31.6M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	49%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -47.5% YoY-22.5% QoQ	+0.0%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	52%
NIM	3.3% -7.8% YoY-9.4% QoQ	-0.3%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	82.0% +14.5% YoY+3.7% QoQ	+4.0%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.6% +33.9% YoY+0.6% QoQ	-0.2	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	45%
Loan To Share	61.8% -10.0% YoY-6.8% QoQ	-8.6%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	30%
AMR	$15,911 -1.0% YoY+0.3% QoQ	$-9K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Bottom 12.2% in tier
CD Concentration	14.8% +1.7% YoY+0.1% QoQ	-9.5%	24.3%	18.6%	19.8%	50%
Indirect Auto %	32.4% -7.5% YoY+1.7% QoQ	+18.6%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#234 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.25%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 32.40%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Cost Spiral

risk

#48 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 10.37% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.93%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#426 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#410 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.04%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.65% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#204 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.01%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (2 metrics)

129

Members Per Employee (MPE)

engagement

Value: 442.000

Peer Median: 309.176

#129 of 1070 Top 12.0% in 100M-500M tier

232

Share Certificate Concentration (%)

balance_sheet

Value: 14.82%

Peer Median: 23.10%

#232 of 1070 Top 21.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1006

Loan Growth Rate

growth

Value: -7.15%

Peer Median: 2.93%

#1006 of 1070 Bottom 6.1% in 100M-500M tier

939

Average Member Relationship (AMR)

engagement

Value: $15,911

Peer Median: $22,931

#939 of 1070 Bottom 12.3% in 100M-500M tier

923

Indirect Auto Concentration (%)

balance_sheet

Value: 32.40%

Peer Median: 6.61%

#923 of 1070 Bottom 13.8% in 100M-500M tier

914

Loan-to-Member Ratio (LMR)

engagement

Value: $6,078

Peer Median: $9,356

#914 of 1070 Bottom 14.7% in 100M-500M tier

901

AMR Growth Rate

growth

Value: -1.01%

Peer Median: 3.46%

#901 of 1070 Bottom 15.9% in 100M-500M tier