BlastPoint's Credit Union Scorecard
CONSTRUCTION
Charter #21798 · MI
CONSTRUCTION has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Deposit Growth Rate: Top 0.6% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Average Member Relationship (AMR): Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + AMR Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,173
-0.1% YoY+0.2% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$33.7M
+31.7% YoY+6.0% QoQ
|
+$3.5M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$17.8M
-4.6% YoY-4.1% QoQ
|
+$2.5M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$30.1M
+36.3% YoY+6.7% QoQ
|
+$4.3M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.3%
+104.1% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
2.6%
+3.5% YoY+3.7% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
83.4%
-16.6% YoY-10.8% QoQ
|
-7.3% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
0.1%
-42.6% YoY
|
-1.4 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
59.1%
-30.0% YoY-10.1% QoQ
|
+0.6% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$40,822
+17.7% YoY+2.2% QoQ
|
+$26K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 1.1% in tier |
| CD Concentration |
17.9%
-26.2% YoY-4.7% QoQ
|
-6.3% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)