BlastPoint's Credit Union Scorecard
PENINSULA
Charter #4291 · MI
PENINSULA has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.34% above tier average
- + Strong member growth: 13.0% YoY
- + Member Growth Rate: Top 2.1% in tier
- + Total Loans: Top 6.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Wealth Migration Risk: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.13% below tier average
- - Delinquency rate 0.06% above tier average
- - AMR Growth Rate: Bottom 3.3% 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 +5.4% year over year ($321M in shares and deposits).
- Membership: 17,923 members, +13.0% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.73%.
- Efficiency ratio 73.34% vs a 76.73% peer average.
- Loan-to-share ratio 91.25% 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 |
17,923
+13.0% YoY+0.7% QoQ
|
+2.8K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$355.7M
+6.2% YoY-0.9% QoQ
|
+$123.6M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$292.9M
+6.9% YoY+3.7% QoQ
|
+$146.6M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Top 7.0% in tier |
| Deposits |
$321.0M
+5.4% YoY-1.2% QoQ
|
+$120.3M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
85% |
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| ROA |
0.7%
+20.2% YoY-4.1% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.0%
+13.5% YoY+2.3% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
73.3%
-6.0% YoY-2.2% QoQ
|
-3.4% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.9%
+122.8% YoY+15.8% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
91.2%
+1.4% YoY+5.0% QoQ
|
+19.7% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Top 12.4% in tier |
| AMR |
$34,249
-6.1% YoY+0.3% QoQ
|
+$9K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Top 11.6% in tier |
| CD Concentration |
30.8%
-7.2% YoY-0.9% QoQ
|
+6.2% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)