BlastPoint's Credit Union Scorecard
COMMUNITY PROMISE
Charter #24848 · MI
2596 CUs in <100M nationally
61 in MI
COMMUNITY PROMISE has 4 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.91% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 26.76% below tier average
- - Efficiency ratio 137.16% above tier (higher cost structure)
- - Member decline: -12.1% YoY
- - Asset Growth Rate: Bottom 0.5% in tier
- - Deposit Growth Rate: Bottom 0.8% in tier
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Net Worth Ratio: Bottom 1.2% in tier
- - AMR Growth Rate: Bottom 3.0% in tier
- - Total Assets: Bottom 3.9% in tier
- - Member Growth Rate: Bottom 4.3% in tier
- - Total Deposits: Bottom 4.4% in tier
- - Members Per Employee (MPE): Bottom 5.1% in tier
- - Total Members: Bottom 6.2% in tier
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - Total Loans: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
-12.1% YoY-16.6% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 6.0% in tier |
| Assets |
$610,783
-44.8% YoY-14.9% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.8% in tier |
| Loans |
$469,021
-16.0% YoY-8.2% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.2% in tier |
| Deposits |
$530,073
-33.9% YoY-6.7% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.3% in tier |
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| ROA |
-26.1%
-223.8% YoY+47.6% QoQ
|
-26.8% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.1% in tier |
| NIM |
5.8%
+36.4% YoY+28.7% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
218.5%
+318.3% YoY+12.4% QoQ
|
+137.2% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 1.0% in tier |
| Delinquency Rate |
1.3%
-22.7% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
88.5%
+27.1% YoY-1.6% QoQ
|
+27.2% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Top 12.7% in tier |
| AMR |
$4,061
-16.4% YoY+11.1% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.6% in tier |
| CD Concentration |
23.2%
-51.8% YoY+6.2% QoQ
|
-1.2% |
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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
78
Fee Income Per Member
profitability
Value:
$262.44
Peer Avg: -
#78 of 2596
Top 3.0% in <100M tier
129
Net Interest Margin (NIM)
profitability
Value:
5.84%
Peer Avg: -
#129 of 2596
Top 4.9% in <100M tier
325
Loan-to-Share Ratio
balance_sheet
Value:
88.48%
Peer Avg: -
#325 of 2596
Top 12.5% in <100M tier
Top Weaknesses (16 metrics)
2593
Return on Assets (ROA)
profitability
Value:
-26.08%
Peer Avg: -
#2593 of 2596
Bottom 0.2% in <100M tier
2583
Asset Growth Rate
growth
Value:
-44.82%
Peer Avg: -
#2583 of 2596
Bottom 0.5% in <100M tier
2577
Deposit Growth Rate
growth
Value:
-33.87%
Peer Avg: -
#2577 of 2596
Bottom 0.8% in <100M tier
2573
Net Charge-Off Rate
risk
Value:
8.11%
Peer Avg: -
#2573 of 2596
Bottom 0.9% in <100M tier
2571
Efficiency Ratio
profitability
Value:
218.55%
Peer Avg: -
#2571 of 2596
Bottom 1.0% in <100M tier
2566
Net Worth Ratio
risk
Value:
6.64%
Peer Avg: -
#2566 of 2596
Bottom 1.2% in <100M tier
2518
AMR Growth Rate
growth
Value:
-16.36%
Peer Avg: -
#2518 of 2596
Bottom 3.0% in <100M tier
2497
Total Assets
balance_sheet
Value:
$610,783
Peer Avg: -
#2497 of 2596
Bottom 3.9% in <100M tier
2485
Member Growth Rate
growth
Value:
-12.14%
Peer Avg: -
#2485 of 2596
Bottom 4.3% in <100M tier
2484
Total Deposits
balance_sheet
Value:
$530,073
Peer Avg: -
#2484 of 2596
Bottom 4.4% in <100M tier