BlastPoint's Credit Union Scorecard
SERVICE 1
Charter #4038 · MI
SERVICE 1 has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.02% above tier average
- + Net Interest Margin 0.63% above tier average
- + Net Worth Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,204
-3.0% YoY-1.6% QoQ
|
+6.1K |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$197.4M
-4.5% YoY+1.5% QoQ
|
$-34.3M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$139.4M
-3.2% YoY-1.1% QoQ
|
$-4.7M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$160.0M
-7.1% YoY+1.4% QoQ
|
$-41.1M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
1.7%
+152.9% YoY+43.2% QoQ
|
+1.0% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Top 6.5% in tier |
| NIM |
4.3%
+12.8% YoY-0.2% QoQ
|
+0.6% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
69.3%
-13.2% YoY-8.7% QoQ
|
-8.7% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate |
0.4%
+64.7% YoY-10.3% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
87.1%
+4.1% YoY-2.4% QoQ
|
+16.7% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
84% |
| AMR |
$14,120
-2.4% YoY+1.9% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.5% in tier |
| CD Concentration |
22.0%
-0.9% YoY+1.8% QoQ
|
-2.3% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
9.2%
-14.2% YoY-5.8% QoQ
|
-4.7% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)