BlastPoint's Credit Union Scorecard
SERVICE 1
Charter #4038 · MI
SERVICE 1 has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 91.7% in tier
- + ROA 0.36% above tier average
- + Net Interest Margin 0.52% above tier average
- + Net Worth Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 26.3% in tier
- - Credit Quality Pressure: Bottom 29.4% in tier
- - Credit Risk Growth: Bottom 29.7% in tier
- - Membership Headwinds: Bottom 30.7% in tier
- - Deposit Outflow: Bottom 77.5% in tier
- - Liquidity Overhang: Bottom 80.5% in tier
- - Average Member Relationship (AMR): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,962
-0.8% YoY-0.2% QoQ
|
+6.3K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$200.2M
+0.4% YoY-1.2% QoQ
|
$-31.1M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$146.5M
+0.9% YoY-0.1% QoQ
|
$-1.3M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$164.0M
-1.3% YoY-2.1% QoQ
|
$-36.3M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
1.2%
+13.4% YoY+17.0% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
75% |
| NIM |
4.1%
+12.1% YoY+4.4% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
75.7%
-2.4% YoY-2.6% QoQ
|
-1.6% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.5%
+0.7% YoY+42.8% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
89.3%
+2.3% YoY+2.1% QoQ
|
+16.6% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$14,135
+0.5% YoY-1.0% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.9% in tier |
| CD Concentration |
22.4%
-10.4% YoY+4.5% QoQ
|
-2.0% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.9%
-17.0% YoY-3.9% QoQ
|
-4.1% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (6)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)