BlastPoint's Credit Union Scorecard

DOWAGIAC AREA

Charter #21070 · MI

<100M

2508 CUs in <100M nationally 56 in MI

DOWAGIAC AREA demonstrates 2 strengths

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 1.22% above tier average
+ Loan Growth Rate: Top 5.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	1,829 -0.1% YoY-0.1% QoQ	-847	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	48%
Assets	$26.0M +6.6% YoY+3.5% QoQ	$-4.2M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	55%
Loans	$12.3M +15.4% YoY-2.9% QoQ	$-3.0M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	57%
Deposits	$23.2M +5.8% YoY+3.4% QoQ	$-2.6M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	56%

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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	1.4% +60.6% YoY+8.4% QoQ	+1.2%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	81%
NIM	4.0% -2.6% YoY-5.8% QoQ	+0.0%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	67.5% +7.3% YoY+0.6% QoQ	-23.1%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.4% -69.9% YoY-10.1% QoQ	-1.1	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	41%
Loan To Share	52.9% +9.0% YoY-6.1% QoQ	-5.6%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	41%
AMR	$19,392 +9.1% YoY+1.2% QoQ	+$5K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	76%
CD Concentration	13.4% +51.1% YoY-0.6% QoQ	-10.9%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

137

Loan Growth Rate

growth

Value: 15.40%

Peer Median: -2.36%

#137 of 2508 Top 5.4% in <100M tier

284

AMR Growth Rate

growth

Value: 9.07%

Peer Median: 1.27%

#284 of 2508 Top 11.3% in <100M tier

349

Net Charge-Off Rate

risk

Value: -0.04%

Peer Median: 0.07%

#349 of 2508 Top 13.9% in <100M tier

412

Asset Growth Rate

growth

Value: 6.64%

Peer Median: 1.30%

#412 of 2508 Top 16.4% in <100M tier

466

Return on Assets (ROA)

profitability

Value: 1.36%

Peer Median: 0.61%

#466 of 2508 Top 18.5% in <100M tier

489

Members Per Employee (MPE)

engagement

Value: 457.250

Peer Median: 333.750

#489 of 2508 Top 19.5% in <100M tier

497

Deposit Growth Rate

growth

Value: 5.83%

Peer Median: 0.66%

#497 of 2508 Top 19.8% in <100M tier

552

Efficiency Ratio

profitability

Value: 67.54%

Peer Median: 81.45%

#552 of 2508 Top 22.0% in <100M tier

613

Average Member Relationship (AMR)

engagement

Value: $19,392

Peer Median: $13,926

#613 of 2508 Top 24.4% in <100M tier

Top Weaknesses (1 metrics)

1943

Net Worth Ratio

risk

Value: 10.73%

Peer Median: 14.28%

#1943 of 2508 Bottom 22.6% in <100M tier