BlastPoint's Credit Union Scorecard
PENINSULA
Charter #4291 · MI
PENINSULA has 9 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 4.9% in tier
- + Organic Growth Engine: Top 12.1% in tier
- + ROA 0.03% above tier average
- + Net Interest Margin 0.12% above tier average
- + Strong member growth: 14.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.5% in tier
- + Total Loans: Top 8.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 21.3% in tier
- - Wealth Migration Risk: Bottom 42.1% in tier
- - Credit Risk Growth: Bottom 47.7% in tier
- - Credit Quality Pressure: Bottom 63.9% in tier
- - Delinquency rate 0.11% above tier average
- - AMR Growth Rate: Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 5.8% in tier
- - First Mortgage Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,730
+14.0% YoY+0.4% QoQ
|
+2.3K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$352.5M
+7.2% YoY+1.0% QoQ
|
+$120.6M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$285.5M
+8.1% YoY-0.3% QoQ
|
+$138.1M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 8.1% in tier |
| Deposits |
$318.9M
+6.4% YoY+0.7% QoQ
|
+$118.1M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.8%
+255.1% YoY+3.9% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.7%
+16.1% YoY+1.5% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
73.8%
-0.9% YoY-1.2% QoQ
|
-3.2% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
1.0%
+14.7% YoY+45.1% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
89.5%
+1.5% YoY-1.0% QoQ
|
+17.3% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$34,090
-6.0% YoY-0.2% QoQ
|
+$9K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 10.7% in tier |
| CD Concentration |
31.7%
-9.1% YoY-0.4% QoQ
|
+7.3% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)