BlastPoint's Credit Union Scorecard

JOURNEY

Charter #20943 · MI

100M-500M

1024 CUs in 100M-500M nationally 68 in MI

JOURNEY has 1 strength but faces 8 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

+ Emerging Performer: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.19% below tier average
- Efficiency ratio 5.59% above tier (higher cost structure)
- Loan Growth Rate: Bottom 5.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
Shares and deposits +1.5% year over year ($166M in shares and deposits).
Membership: 17,304 members, +1.0% vs a year ago.
Delinquency rate 0.68%.
Return on assets 0.67%.
Efficiency ratio 82.32% vs a 76.73% peer average.
Loan-to-share ratio 63.76% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	17,304 +1.0% YoY+0.4% QoQ	+2.1K	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	67%
Assets	$186.5M +2.0% YoY-1.6% QoQ	$-45.5M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	46%
Loans	$105.8M -7.2% YoY+1.0% QoQ	$-40.5M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	39%
Deposits	$165.9M +1.5% YoY-2.1% QoQ	$-34.8M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	48%

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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% -44.5% YoY-5.7% QoQ	-0.2%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	42%
NIM	3.5% -2.9% YoY+4.4% QoQ	-0.2%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	37%
Efficiency Ratio	82.3% +12.2% YoY+0.3% QoQ	+5.6%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	66%
Delinquency Rate	0.7% +56.1% YoY+23.8% QoQ	-0.2	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	49%
Loan To Share	63.8% -8.5% YoY+3.2% QoQ	-7.8%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	32%
AMR	$15,702 -3.1% YoY-1.3% QoQ	$-9K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Bottom 11.7% in tier
CD Concentration	15.6% +7.2% YoY+5.3% QoQ	-9.0%	24.6%	18.8%	20.0%	50%
Indirect Auto %	31.7% -4.9% YoY-2.2% QoQ	+18.1%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#173 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.67%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#93 of 223 • 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): -3.06%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Quality Pressure

risk

#300 of 693 • 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): 0.25% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#312 of 476 • 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): 1.97%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 31.69%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Cost Spiral

risk

#64 of 95 • 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: 8.95% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 73.37%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Efficiency Drag

risk

#436 of 531 • 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: 82.32%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.54% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (2 metrics)

113

Members Per Employee (MPE)

engagement

Value: 455.368

Peer Median: 310.924

#113 of 1024 Top 10.9% in 100M-500M tier

241

Share Certificate Concentration (%)

balance_sheet

Value: 15.60%

Peer Median: 23.39%

#241 of 1024 Top 23.4% in 100M-500M tier

Top Weaknesses (5 metrics)

973

Loan Growth Rate

growth

Value: -7.15%

Peer Median: 3.02%

#973 of 1024 Bottom 5.1% in 100M-500M tier

950

AMR Growth Rate

growth

Value: -3.06%

Peer Median: 3.53%

#950 of 1024 Bottom 7.3% in 100M-500M tier

904

Average Member Relationship (AMR)

engagement

Value: $15,702

Peer Median: $23,006

#904 of 1024 Bottom 11.8% in 100M-500M tier

886

Loan-to-Member Ratio (LMR)

engagement

Value: $6,114

Peer Median: $9,434

#886 of 1024 Bottom 13.6% in 100M-500M tier

882

Indirect Auto Concentration (%)

balance_sheet

Value: 31.69%

Peer Median: 6.15%

#882 of 1024 Bottom 14.0% in 100M-500M tier