BlastPoint's Credit Union Scorecard
POLISH-AMERICAN
Charter #22280 · MI
POLISH-AMERICAN has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.63% above tier average
- + Net Charge-Off Rate: Top 4.8% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Delinquency rate 1.10% above tier average
- - First Mortgage Concentration (%): Bottom 0.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,404
+1.6% YoY+0.3% QoQ
|
-7.7K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Bottom 14.1% in tier |
| Assets |
$188.2M
+7.9% YoY+3.1% QoQ
|
$-43.5M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$124.4M
+6.9% YoY+0.1% QoQ
|
$-19.7M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$162.6M
+7.3% YoY+3.1% QoQ
|
$-38.5M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
1.4%
+51.4% YoY+10.9% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
85% |
| NIM |
3.0%
+13.8% YoY+4.6% QoQ
|
-0.6% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
59.7%
-14.8% YoY-3.7% QoQ
|
-18.4% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
1.9%
+139.6% YoY-13.6% QoQ
|
+1.1 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.2% in tier |
| Loan To Share |
76.5%
-0.4% YoY-2.9% QoQ
|
+6.1% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$38,771
+5.4% YoY+1.5% QoQ
|
+$14K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 6.8% in tier |
| CD Concentration |
23.1%
+1.2% YoY+2.1% QoQ
|
-1.2% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)