BlastPoint's Credit Union Scorecard
PORT CITY
Charter #5116 · MI
PORT CITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 3.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Member decline: -11.0% YoY
- - Member Growth Rate: Bottom 5.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits +5.4% year over year ($36.8M in shares and deposits).
- Membership: 2,640 members, -11.0% vs a year ago.
- Delinquency rate 0.04%.
- Return on assets 0.63%.
- Efficiency ratio 80.23% vs a 88.77% peer average.
- Loan-to-share ratio 39.95% vs a 58.89% 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 |
2,640
-11.0% YoY-0.9% QoQ
|
+54 |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
63% |
| Assets |
$42.1M
+5.7% YoY-1.7% QoQ
|
+$11.8M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$14.7M
+8.5% YoY+1.2% QoQ
|
$-771K |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$36.8M
+5.4% YoY-2.3% QoQ
|
+$11.0M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.6%
+8.4% YoY+70.4% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
2.7%
+7.3% YoY+4.5% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio |
80.2%
-2.4% YoY-7.9% QoQ
|
-8.5% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
0.0%
-64.7% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
40.0%
+2.9% YoY+3.6% QoQ
|
-18.9% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$19,489
+19.3% YoY-0.4% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
23.4%
+8.1% YoY-2.7% QoQ
|
-1.1% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)