BlastPoint's Credit Union Scorecard

PENINSULA

Charter #4291 · MI

100M-500M

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

PENINSULA has 7 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.30% above tier average
+ Strong member growth: 13.4% YoY
+ Member Growth Rate: Top 3.0% in tier
+ Total Loans: Top 7.5% in tier
+ Loan-to-Member Ratio (LMR): Top 8.7% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- AMR Growth Rate: Bottom 4.6% in tier
- Members Per Employee (MPE): Bottom 6.1% in tier
- First Mortgage Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	17,793 +13.4% YoY+0.4% QoQ	+2.6K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	69%
Assets	$358.8M +7.3% YoY+1.8% QoQ	+$127.0M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	83%
Loans	$282.4M +6.5% YoY-1.1% QoQ	+$138.3M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Top 7.6% in tier
Deposits	$324.9M +6.8% YoY+1.9% QoQ	+$123.8M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Top 14.3% in tier

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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	0.8% -12.8% YoY-3.6% QoQ	+0.0%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	55%
NIM	3.9% +14.2% YoY+5.6% QoQ	+0.3%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	75.0% -0.4% YoY+1.7% QoQ	-3.0%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.8% +61.8% YoY-18.7% QoQ	+0.0	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	66%
Loan To Share	86.9% -0.3% YoY-2.9% QoQ	+16.5%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	83%
AMR	$34,134 -5.9% YoY+0.1% QoQ	+$9K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Top 11.4% in tier
CD Concentration	31.1% -7.8% YoY-2.0% QoQ	+6.8%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#19 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 13.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#59 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 13.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.76%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#53 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.87%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#130 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): 6.53%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.31% 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

Credit Quality Pressure

risk

#223 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): 0.31% 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

Wealth Migration Risk

decline

#12 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $34.1K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -5.87%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | New qualifier

Margin Compression

decline

#129 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.76%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 0.87%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.11% points

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

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | 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 1070 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 13.35%

Peer Median: -0.06%

#33 of 1070 Top 3.0% in 100M-500M tier

Total Loans

balance_sheet

Value: $282.42M

Peer Median: $121.41M

#81 of 1070 Top 7.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,873

Peer Median: $9,356

#94 of 1070 Top 8.7% in 100M-500M tier

122

Average Member Relationship (AMR)

engagement

Value: $34,134

Peer Median: $22,931

#122 of 1070 Top 11.3% in 100M-500M tier

153

Total Deposits

balance_sheet

Value: $324.93M

Peer Median: $171.29M

#153 of 1070 Top 14.2% in 100M-500M tier

181

Total Assets

balance_sheet

Value: $358.75M

Peer Median: $196.57M

#181 of 1070 Top 16.8% in 100M-500M tier

181

Loan-to-Share Ratio

balance_sheet

Value: 86.92%

Peer Median: 71.88%

#181 of 1070 Top 16.8% in 100M-500M tier

239

Asset Growth Rate

growth

Value: 7.35%

Peer Median: 3.91%

#239 of 1070 Top 22.2% in 100M-500M tier

246

Deposit Growth Rate

growth

Value: 6.84%

Peer Median: 3.30%

#246 of 1070 Top 22.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1022

AMR Growth Rate

growth

Value: -5.87%

Peer Median: 3.46%

#1022 of 1070 Bottom 4.6% in 100M-500M tier

1006

Members Per Employee (MPE)

engagement

Value: 206.895

Peer Median: 309.176

#1006 of 1070 Bottom 6.1% in 100M-500M tier

991

First Mortgage Concentration (%)

balance_sheet

Value: 57.28%

Peer Median: 29.47%

#991 of 1070 Bottom 7.5% in 100M-500M tier

943

Net Worth Ratio

risk

Value: 8.85%

Peer Median: 11.45%

#943 of 1070 Bottom 12.0% in 100M-500M tier

808

Net Charge-Off Rate

risk

Value: 0.65%

Peer Median: 0.35%

#808 of 1070 Bottom 24.6% in 100M-500M tier

804

Share Certificate Concentration (%)

balance_sheet

Value: 31.07%

Peer Median: 23.10%

#804 of 1070 Bottom 25.0% in 100M-500M tier