BlastPoint's Credit Union Scorecard

CHIEF FINANCIAL

Charter #4271 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

CHIEF FINANCIAL has 5 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Loan Growth Rate: Top 4.6% in tier
+ Members Per Employee (MPE): Top 5.6% in tier
+ First Mortgage Concentration (%): Top 7.7% in tier
+ AMR Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.26% below tier average
- Efficiency ratio 2.22% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average
- Indirect Auto Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	20,984 +1.6% YoY-0.4% QoQ	+5.8K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	80%
Assets	$255.5M +7.1% YoY+3.0% QoQ	+$23.8M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	64%
Loans	$181.3M +17.5% YoY+2.5% QoQ	+$37.2M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	72%
Deposits	$229.6M +7.6% YoY+2.6% QoQ	+$28.5M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	66%

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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	0.5% -644.2% YoY+88.3% QoQ	-0.3%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	34%
NIM	3.2% +2.6% YoY+1.8% QoQ	-0.4%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	80.2% -12.7% YoY-7.3% QoQ	+2.2%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	57%
Delinquency Rate	0.9% +124.0% YoY+76.0% QoQ	+0.1	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	69%
Loan To Share	79.0% +9.2% YoY-0.2% QoQ	+8.5%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	66%
AMR	$19,584 +10.0% YoY+3.0% QoQ	$-5K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	30%
CD Concentration	23.2% -10.4% YoY-5.2% QoQ	-1.1%	24.3%	18.6%	19.8%	50%
Indirect Auto %	38.7% +9.5% YoY+1.3% QoQ	+24.9%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#122 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.03%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#13 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 17.50%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.48% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#65 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.15%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 38.73%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.56%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#123 of 727 • 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): 0.48% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#541 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.24%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.56% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.56%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 17.50%

Peer Median: 2.93%

#50 of 1070 Top 4.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 499.619

Peer Median: 309.176

#61 of 1070 Top 5.6% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.44%

Peer Median: 29.47%

#83 of 1070 Top 7.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.03%

Peer Median: 3.46%

#98 of 1070 Top 9.1% in 100M-500M tier

201

Deposit Growth Rate

growth

Value: 7.58%

Peer Median: 3.30%

#201 of 1070 Top 18.7% in 100M-500M tier

217

Total Members

engagement

Value: 20,984

Peer Median: 13,200

#217 of 1070 Top 20.2% in 100M-500M tier

251

Asset Growth Rate

growth

Value: 7.15%

Peer Median: 3.91%

#251 of 1070 Top 23.4% in 100M-500M tier

Top Weaknesses (2 metrics)

977

Indirect Auto Concentration (%)

balance_sheet

Value: 38.73%

Peer Median: 6.61%

#977 of 1070 Bottom 8.8% in 100M-500M tier

838

Net Worth Ratio

risk

Value: 9.57%

Peer Median: 11.45%

#838 of 1070 Bottom 21.8% in 100M-500M tier