BlastPoint's Credit Union Scorecard

CIRCLE

Charter #22114 · MI

100M-500M

1024 CUs in 100M-500M nationally 68 in MI

CIRCLE has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Fee Income Per Member: Top 8.3% in tier
+ Net Charge-Off Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- ROA 0.07% below tier average
- Efficiency ratio 2.99% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 1.0% in tier
- Total Members: Bottom 7.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
Shares and deposits +1.5% year over year ($106M in shares and deposits).
Membership: 6,127 members, +3.7% vs a year ago.
Delinquency rate 0.25%.
Return on assets 0.79%.
Efficiency ratio 79.72% vs a 76.73% peer average.
Loan-to-share ratio 75.97% vs a 71.54% 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	6,127 +3.7% YoY+0.5% QoQ	-9.0K	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	Bottom 7.1% in tier
Assets	$117.4M +2.0% YoY+0.2% QoQ	$-114.6M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	Bottom 11.1% in tier
Loans	$80.2M +2.4% YoY+1.2% QoQ	$-66.1M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	24%
Deposits	$105.6M +1.5% YoY+0.1% QoQ	$-95.1M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	Bottom 14.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -19.1% YoY+3.1% QoQ	-0.1%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	52%
NIM	3.2% -4.1% YoY+1.8% QoQ	-0.4%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	24%
Efficiency Ratio	79.7% +2.0% YoY+2.3% QoQ	+3.0%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	57%
Delinquency Rate	0.3% -75.8% YoY-58.9% QoQ	-0.6	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	Top 14.9% in tier
Loan To Share	76.0% +0.9% YoY+1.1% QoQ	+4.4%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	55%
AMR	$30,324 -1.7% YoY+0.1% QoQ	+$5K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	81%
CD Concentration	25.7% -5.1% YoY-1.0% QoQ	+1.1%	24.6%	18.8%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#110 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.69%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#138 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.69%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.79%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Emerging Performer

growth

#96 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.79%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 3.69%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#144 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.72%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Margin Compression

decline

#137 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.79%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 0.98%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $267.01

Peer Median: $159.88

#86 of 1024 Top 8.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.34%

#88 of 1024 Top 8.5% in 100M-500M tier

148

Member Growth Rate

growth

Value: 3.69%

Peer Median: -0.03%

#148 of 1024 Top 14.4% in 100M-500M tier

154

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.71%

#154 of 1024 Top 14.9% in 100M-500M tier

194

Average Member Relationship (AMR)

engagement

Value: $30,324

Peer Median: $23,006

#194 of 1024 Top 18.8% in 100M-500M tier

195

Loan-to-Member Ratio (LMR)

engagement

Value: $13,092

Peer Median: $9,434

#195 of 1024 Top 18.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1015

Members Per Employee (MPE)

engagement

Value: 165.595

Peer Median: 310.924

#1015 of 1024 Bottom 1.0% in 100M-500M tier

951

Total Members

engagement

Value: 6,127

Peer Median: 13,128

#951 of 1024 Bottom 7.2% in 100M-500M tier

910

Total Assets

balance_sheet

Value: $117.43M

Peer Median: $196.38M

#910 of 1024 Bottom 11.2% in 100M-500M tier

908

AMR Growth Rate

growth

Value: -1.72%

Peer Median: 3.53%

#908 of 1024 Bottom 11.4% in 100M-500M tier

892

Net Worth Ratio

risk

Value: 9.14%

Peer Median: 11.71%

#892 of 1024 Bottom 13.0% in 100M-500M tier

881

Total Deposits

balance_sheet

Value: $105.58M

Peer Median: $170.77M

#881 of 1024 Bottom 14.1% in 100M-500M tier

875

First Mortgage Concentration (%)

balance_sheet

Value: 50.05%

Peer Median: 29.92%

#875 of 1024 Bottom 14.6% in 100M-500M tier

781

Total Loans

balance_sheet

Value: $80.21M

Peer Median: $124.04M

#781 of 1024 Bottom 23.8% in 100M-500M tier

777

Net Interest Margin (NIM)

profitability

Value: 3.24%

Peer Median: 3.67%

#777 of 1024 Bottom 24.2% in 100M-500M tier