BlastPoint's Credit Union Scorecard
CONSTRUCTION
Charter #21798 · MI
CONSTRUCTION has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
- + Average Member Relationship (AMR): Top 2.8% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 15.26% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,176
-0.8% YoY-0.3% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$23.3M
-3.8% YoY-5.3% QoQ
|
$-6.5M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$18.6M
-2.1% YoY-0.4% QoQ
|
+$2.8M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$19.8M
-4.4% YoY-6.3% QoQ
|
$-5.7M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.1%
-73.7% YoY+67.3% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
2.7%
-3.8% YoY+5.4% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
96.7%
+4.1% YoY+0.0% QoQ
|
+15.3% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
0.1%
-78.0% YoY-12.4% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
94.0%
+2.4% YoY+6.3% QoQ
|
+32.8% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$32,610
-2.6% YoY-3.2% QoQ
|
+$18K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Top 2.8% in tier |
| CD Concentration |
25.9%
+4.3% YoY-1.7% QoQ
|
+1.5% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)