BlastPoint's Credit Union Scorecard
CHIEF FINANCIAL
Charter #4271 · MI
CHIEF FINANCIAL has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.5% in tier
- + Organic Growth Engine: Top 86.9% in tier
- + Deposit Growth Rate: Top 1.9% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 4.8% in tier
- + Loan Growth Rate: Top 6.7% in tier
- + First Mortgage Concentration (%): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.7% in tier
- - Efficiency Drag: Bottom 49.9% in tier
- - Credit Risk Growth: Bottom 54.7% in tier
- - Credit Quality Pressure: Bottom 96.6% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 9.59% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,069
+3.5% YoY-4.4% QoQ
|
+5.6K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$248.1M
+17.9% YoY+1.3% QoQ
|
+$16.2M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$177.0M
+15.7% YoY+3.3% QoQ
|
+$29.6M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$223.7M
+19.5% YoY+2.1% QoQ
|
+$22.9M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.2%
+529.8% YoY+12.1% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.9% in tier |
| NIM |
3.2%
+7.9% YoY-0.2% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
86.6%
-2.9% YoY-0.9% QoQ
|
+9.6% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.5%
+2.8% YoY+0.4% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
79.1%
-3.1% YoY+1.2% QoQ
|
+6.9% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$19,016
+13.8% YoY+7.4% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
24.5%
-3.9% YoY-0.3% QoQ
|
+0.0% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
38.2%
+7.9% YoY+2.6% QoQ
|
+24.4% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)