BlastPoint's Credit Union Scorecard

SERVICE 1

Charter #4038 · MI

100M-500M

1024 CUs in 100M-500M nationally 68 in MI

SERVICE 1 has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.72% above tier average
+ Net Interest Margin 0.61% above tier average
+ Net Worth Ratio: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Member decline: -4.4% YoY
- Deposit Growth Rate: Bottom 4.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
Shares and deposits -4.0% year over year ($161M in shares and deposits).
Membership: 21,028 members, -4.4% vs a year ago.
Delinquency rate 0.42%.
Return on assets 1.58%.
Efficiency ratio 71.72% vs a 76.73% peer average.
Loan-to-share ratio 87.29% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	21,028 -4.4% YoY-0.8% QoQ	+5.9K	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	80%
Assets	$198.5M -2.1% YoY+0.6% QoQ	$-33.5M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	51%
Loans	$140.4M -4.2% YoY+0.7% QoQ	$-5.9M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	57%
Deposits	$160.8M -4.0% YoY+0.5% QoQ	$-39.9M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	45%

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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	1.6% +60.5% YoY-9.6% QoQ	+0.7%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Top 10.8% in tier
NIM	4.3% +9.3% YoY+0.9% QoQ	+0.6%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	84%
Efficiency Ratio	71.7% -7.7% YoY+3.5% QoQ	-5.0%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	31%
Delinquency Rate	0.4% +30.6% YoY-6.2% QoQ	-0.5	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	29%
Loan To Share	87.3% -0.2% YoY+0.2% QoQ	+15.7%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	80%
AMR	$14,323 +0.3% YoY+1.4% QoQ	$-11K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Bottom 6.6% in tier
CD Concentration	22.0% +2.6% YoY+0.0% QoQ	-2.5%	24.6%	18.8%	20.0%	50%
Indirect Auto %	8.4% -18.0% YoY-8.0% QoQ	-5.2%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#134 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.40%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.21%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#154 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.40%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#77 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $198.52M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -4.40%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.21%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Capital Constraint

risk

#13 of 19 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 87.29%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -4.02%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 18.56%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#488 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Overhang

risk

#100 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.56%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 87.29%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (6 metrics)

Net Worth Ratio

risk

Value: 18.56%

Peer Median: 11.71%

#53 of 1024 Top 5.1% in 100M-500M tier

111

Return on Assets (ROA)

profitability

Value: 1.58%

Peer Median: 0.75%

#111 of 1024 Top 10.7% in 100M-500M tier

167

Net Interest Margin (NIM)

profitability

Value: 4.30%

Peer Median: 3.67%

#167 of 1024 Top 16.2% in 100M-500M tier

171

Fee Income Per Member

profitability

Value: $231.83

Peer Median: $159.88

#171 of 1024 Top 16.6% in 100M-500M tier

202

Loan-to-Share Ratio

balance_sheet

Value: 87.29%

Peer Median: 73.07%

#202 of 1024 Top 19.6% in 100M-500M tier

202

Total Members

engagement

Value: 21,028

Peer Median: 13,128

#202 of 1024 Top 19.6% in 100M-500M tier

Top Weaknesses (7 metrics)

975

Deposit Growth Rate

growth

Value: -4.02%

Peer Median: 3.58%

#975 of 1024 Bottom 4.9% in 100M-500M tier

956

Average Member Relationship (AMR)

engagement

Value: $14,323

Peer Median: $23,006

#956 of 1024 Bottom 6.7% in 100M-500M tier

941

Asset Growth Rate

growth

Value: -2.06%

Peer Median: 4.12%

#941 of 1024 Bottom 8.2% in 100M-500M tier

899

Loan Growth Rate

growth

Value: -4.21%

Peer Median: 3.02%

#899 of 1024 Bottom 12.3% in 100M-500M tier

898

Member Growth Rate

growth

Value: -4.40%

Peer Median: -0.03%

#898 of 1024 Bottom 12.4% in 100M-500M tier

836

Loan-to-Member Ratio (LMR)

engagement

Value: $6,676

Peer Median: $9,434

#836 of 1024 Bottom 18.5% in 100M-500M tier

794

AMR Growth Rate

growth

Value: 0.30%

Peer Median: 3.53%

#794 of 1024 Bottom 22.6% in 100M-500M tier