BlastPoint's Credit Union Scorecard
CONSTRUCTION
Charter #21798 · MI
CONSTRUCTION has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Delinquency rate 4.16% above tier average
- - First Mortgage Concentration (%): Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 9.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits +7.7% year over year ($22.7M in shares and deposits).
- Membership: 1,173 members, -0.6% vs a year ago.
- Delinquency rate 5.71%.
- Return on assets 0.43%.
- Efficiency ratio 82.28% vs a 88.77% peer average.
- Loan-to-share ratio 77.19% vs a 58.89% 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 |
1,173
-0.6% YoY0% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$26.4M
+7.0% YoY-21.8% QoQ
|
$-3.9M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$17.5M
-6.0% YoY-1.4% QoQ
|
+$2.1M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$22.7M
+7.7% YoY-24.5% QoQ
|
$-3.1M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
56% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+40.3% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
2.7%
+4.5% YoY+5.2% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio |
82.3%
-14.9% YoY-1.3% QoQ
|
-6.5% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
5.7%
+4906.0% YoY+5698.6% QoQ
|
+4.2 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.4% in tier |
| Loan To Share |
77.2%
-12.7% YoY+30.7% QoQ
|
+18.3% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$34,323
+1.9% YoY-15.9% QoQ
|
+$19K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Top 2.4% in tier |
| CD Concentration |
23.2%
-11.9% YoY+29.3% QoQ
|
-1.4% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)