BlastPoint's Credit Union Scorecard
CONSTRUCTION
Charter #21798 · MI
CONSTRUCTION has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 0.6% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Average Member Relationship (AMR): Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
- + AMR Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 10.88% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.5% in tier
- - Net Interest Margin (NIM): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,171
-0.5% YoY-0.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$31.8M
+31.2% YoY+36.3% QoQ
|
+$1.6M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$18.5M
-1.5% YoY-0.2% QoQ
|
+$2.8M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$28.2M
+36.3% YoY+42.7% QoQ
|
+$2.5M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.2%
+101.1% YoY+160.1% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
2.5%
-9.9% YoY-9.1% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio |
93.4%
-2.8% YoY-3.3% QoQ
|
+10.9% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.0%
-91.3% YoY-59.6% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
65.7%
-27.7% YoY-30.1% QoQ
|
+5.1% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$39,925
+18.9% YoY+22.4% QoQ
|
+$25K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 1.3% in tier |
| CD Concentration |
18.8%
-25.7% YoY-27.2% QoQ
|
-5.6% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 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)