BlastPoint's Credit Union Scorecard

GREAT LAKES

Charter #24874 · MI

<100M

2508 CUs in <100M nationally 56 in MI

GREAT LAKES faces 3 concerns requiring attention

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.25% below tier average
- Efficiency ratio 12.82% above tier (higher cost structure)
- Member decline: -3.0% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	4,437 -3.0% YoY-0.9% QoQ	+1.8K	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	82%
Assets	$60.1M +3.0% YoY+0.6% QoQ	+$29.9M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	83%
Loans	$24.9M -6.1% YoY-4.4% QoQ	+$9.7M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	78%
Deposits	$50.2M +1.8% YoY+0.8% QoQ	+$24.5M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -143.6% YoY-116.2% QoQ	-0.2%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	19%
NIM	3.0% +5.8% YoY+2.9% QoQ	-1.0%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	19%
Efficiency Ratio	103.5% +12.1% YoY+25.3% QoQ	+12.8%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Bottom 13.5% in tier
Delinquency Rate	0.0% -58.6% YoY-90.0% QoQ	-1.5	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	17%
Loan To Share	49.6% -7.8% YoY-5.2% QoQ	-8.9%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	36%
AMR	$16,943 +2.1% YoY-0.1% QoQ	+$2K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	65%
CD Concentration	7.4% +15.5% YoY+0.8% QoQ	-16.9%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

383

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.07%

#383 of 2508 Top 15.2% in <100M tier

426

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.65%

#426 of 2508 Top 16.9% in <100M tier

431

Total Assets

balance_sheet

Value: $60.10M

Peer Median: $21.86M

#431 of 2508 Top 17.1% in <100M tier

437

Total Members

engagement

Value: 4,437

Peer Median: 1,918

#437 of 2508 Top 17.4% in <100M tier

446

Total Deposits

balance_sheet

Value: $50.25M

Peer Median: $18.77M

#446 of 2508 Top 17.7% in <100M tier

564

Total Loans

balance_sheet

Value: $24.93M

Peer Median: $9.48M

#564 of 2508 Top 22.4% in <100M tier

Top Weaknesses (5 metrics)

2212

First Mortgage Concentration (%)

balance_sheet

Value: 42.75%

Peer Median: 3.66%

#2212 of 2508 Bottom 11.8% in <100M tier

2171

Efficiency Ratio

profitability

Value: 103.46%

Peer Median: 81.45%

#2171 of 2508 Bottom 13.5% in <100M tier

2028

Return on Assets (ROA)

profitability

Value: -0.10%

Peer Median: 0.61%

#2028 of 2508 Bottom 19.2% in <100M tier

2022

Net Interest Margin (NIM)

profitability

Value: 3.03%

Peer Median: 3.83%

#2022 of 2508 Bottom 19.4% in <100M tier

1943

Members Per Employee (MPE)

engagement

Value: 233.526

Peer Median: 333.750

#1943 of 2508 Bottom 22.6% in <100M tier