BlastPoint's Credit Union Scorecard

CHIEF FINANCIAL

Charter #4271 · MI

1077 CUs in 100M-500M nationally 67 in MI

CHIEF FINANCIAL has 10 strengths but faces 6 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 22.3% in tier
+ Organic Growth Engine: Top 23.7% in tier
+ Strong member growth: 7.3% YoY
+ Deposit Growth Rate: Top 2.2% in tier
+ Asset Growth Rate: Top 2.7% in tier
+ Member Growth Rate: Top 5.4% in tier
+ Loan Growth Rate: Top 6.2% in tier
+ AMR Growth Rate: Top 8.0% in tier
+ First Mortgage Concentration (%): Top 9.3% in tier
+ Members Per Employee (MPE): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 3.0% in tier
- Credit Risk Growth: Bottom 7.0% in tier
- Efficiency Drag: Bottom 16.4% in tier
- Credit Quality Pressure: Bottom 18.6% in tier
- ROA 0.57% below tier average
- Efficiency ratio 10.11% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	22,049 +7.3% YoY+6.6% QoQ	+6.4K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	81%
Assets	$244.9M +18.3% YoY+3.0% QoQ	+$13.6M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	62%
Loans	$171.4M +16.0% YoY+4.7% QoQ	+$23.6M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	67%
Deposits	$219.2M +20.7% YoY+3.2% QoQ	+$18.9M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% +161.2% YoY+78.5% QoQ	-0.6%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Bottom 14.4% in tier
NIM	3.2% +11.5% YoY+2.6% QoQ	-0.4%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	27%
Efficiency Ratio	87.4% -4.9% YoY-2.1% QoQ	+10.1%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	84%
Delinquency Rate	0.5% +30.5% YoY+26.2% QoQ	-0.4	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	36%
Loan To Share	78.2% -3.9% YoY+1.4% QoQ	+5.5%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	58%
AMR	$17,712 +10.6% YoY-2.6% QoQ	$-7K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	21%
CD Concentration	24.5% -0.1% YoY-2.5% QoQ	+0.1%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	37.3% -1.2% YoY+5.1% QoQ	+23.3%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#108 of 481 • Top 22.3% in tier

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

Why This Signature

AMR Growth (YoY): 10.56%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank improving

Organic Growth Engine

growth

#434 of 603 • Top 23.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.26%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.22%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 37.28%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#50 of 525 • Bottom 3.0% in tier

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

Why This Signature

Asset Growth (YoY): 18.28%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 37.28%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 7.26%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Risk Growth

risk

#106 of 446 • Bottom 7.0% in tier

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

Why This Signature

Loan Growth (YoY): 16.00%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk

#290 of 521 • Bottom 16.4% in tier

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

Why This Signature

Efficiency Ratio: 87.39%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 7.26%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#462 of 736 • Bottom 18.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (8 metrics)

Deposit Growth Rate

growth

Value: 20.70%

Peer Avg: -

#25 of 1077 Top 2.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 18.28%

Peer Avg: -

#30 of 1077 Top 2.7% in 100M-500M tier

Member Growth Rate

growth

Value: 7.26%

Peer Avg: -

#59 of 1077 Top 5.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 16.00%

Peer Avg: -

#68 of 1077 Top 6.2% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.56%

Peer Avg: -

#87 of 1077 Top 8.0% in 100M-500M tier

101

First Mortgage Concentration (%)

balance_sheet

Value: 7.14%

Peer Avg: -

#101 of 1077 Top 9.3% in 100M-500M tier

106

Members Per Employee (MPE)

engagement

Value: 459.354

Peer Avg: -

#106 of 1077 Top 9.7% in 100M-500M tier

209

Total Members

engagement

Value: 22,049

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

Top Weaknesses (5 metrics)

966

Indirect Auto Concentration (%)

balance_sheet

Value: 37.28%

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

922

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Avg: -

#922 of 1077 Bottom 14.5% in 100M-500M tier

904

Efficiency Ratio

profitability

Value: 87.39%

Peer Avg: -

#904 of 1077 Bottom 16.2% in 100M-500M tier

854

Average Member Relationship (AMR)

engagement

Value: $17,712

Peer Avg: -

#854 of 1077 Bottom 20.8% in 100M-500M tier

821

Net Worth Ratio

risk

Value: 9.78%

Peer Avg: -

#821 of 1077 Bottom 23.9% in 100M-500M tier