BlastPoint's Credit Union Scorecard

IRON MOUNTAIN KINGSFORD COMMUNITY

Charter #5660 · MI

100M-500M

1024 CUs in 100M-500M nationally 68 in MI

IRON MOUNTAIN KINGSFORD COMMUNITY has 6 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

+ ROA 0.79% above tier average
+ Net Interest Margin 0.11% above tier average
+ Net Worth Ratio: Top 6.0% in tier
+ Share Certificate Concentration (%): Top 6.0% in tier
+ Efficiency Ratio: Top 8.9% in tier
+ Total Delinquency Rate (60+ days): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- Total Loans: Bottom 1.8% in tier
- Loan-to-Share Ratio: Bottom 1.8% 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 +2.5% year over year ($122M in shares and deposits).
Membership: 10,028 members, -1.7% vs a year ago.
Delinquency rate 0.18%.
Return on assets 1.65%.
Efficiency ratio 60.79% vs a 76.73% peer average.
Loan-to-share ratio 28.64% 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	10,028 -1.7% YoY-0.5% QoQ	-5.1K	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	32%
Assets	$149.4M +3.9% YoY-0.6% QoQ	$-82.6M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	30%
Loans	$34.9M -3.1% YoY-0.4% QoQ	$-111.4M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	Bottom 1.7% in tier
Deposits	$121.8M +2.5% YoY-1.3% QoQ	$-78.9M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% -16.0% YoY+5.4% QoQ	+0.8%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	Top 9.1% in tier
NIM	3.8% -10.2% YoY+1.5% QoQ	+0.1%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	58%
Efficiency Ratio	60.8% +4.9% YoY-1.8% QoQ	-15.9%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	Top 8.9% in tier
Delinquency Rate	0.2% -36.9% YoY-17.7% QoQ	-0.7	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	Top 9.4% in tier
Loan To Share	28.6% -5.5% YoY+1.0% QoQ	-42.9%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	Bottom 1.7% in tier
AMR	$15,624 +2.9% YoY-0.6% QoQ	$-9K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Bottom 11.4% in tier
CD Concentration	6.6% -2.1% YoY+0.4% QoQ	-18.0%	24.6%	18.8%	20.0%	50%
Indirect Auto %	1.1% -21.1% YoY-9.5% QoQ	-12.6%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Liquidity Overhang

risk

#24 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.86%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 28.64%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

Margin Compression

decline

#34 of 140 • 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: 1.65%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.97%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

Stagnation Risk

risk

#367 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.18%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Membership Headwinds

decline

#373 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#203 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $149.44M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | 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 1024 peers in tier

Top Strengths (5 metrics)

Net Worth Ratio

risk

Value: 17.86%

Peer Median: 11.71%

#62 of 1024 Top 6.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 6.55%

Peer Median: 23.39%

#62 of 1024 Top 6.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.79%

Peer Median: 77.26%

#92 of 1024 Top 8.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.65%

Peer Median: 0.75%

#93 of 1024 Top 9.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.71%

#97 of 1024 Top 9.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1015

Loan-to-Member Ratio (LMR)

engagement

Value: $3,478

Peer Median: $9,434

#1015 of 1024 Bottom 1.0% in 100M-500M tier

1007

Total Loans

balance_sheet

Value: $34.88M

Peer Median: $124.04M

#1007 of 1024 Bottom 1.8% in 100M-500M tier

1007

Loan-to-Share Ratio

balance_sheet

Value: 28.64%

Peer Median: 73.07%

#1007 of 1024 Bottom 1.8% in 100M-500M tier

953

Fee Income Per Member

profitability

Value: $76.73

Peer Median: $159.88

#953 of 1024 Bottom 7.0% in 100M-500M tier

907

Average Member Relationship (AMR)

engagement

Value: $15,624

Peer Median: $23,006

#907 of 1024 Bottom 11.5% in 100M-500M tier

855

Loan Growth Rate

growth

Value: -3.12%

Peer Median: 3.02%

#855 of 1024 Bottom 16.6% in 100M-500M tier