BlastPoint's Credit Union Scorecard
A.B.D.
Charter #5885 · MI
A.B.D. has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.1% in tier
- + Total Members: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.80% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Net Charge-Off Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,170
-4.2% YoY-1.7% QoQ
|
+3.5K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 8.6% in tier |
| Assets |
$66.2M
+1.2% YoY-3.1% QoQ
|
+$36.3M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 13.9% in tier |
| Loans |
$18.1M
-11.1% YoY-1.1% QoQ
|
+$2.4M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$55.3M
+0.0% YoY-3.7% QoQ
|
+$29.8M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 14.9% in tier |
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| ROA |
1.0%
-3.7% YoY-26.4% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
3.9%
-13.1% YoY+0.3% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
85.2%
+10.4% YoY+4.7% QoQ
|
+3.8% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.2%
-35.2% YoY+49.6% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
32.8%
-11.1% YoY+2.7% QoQ
|
-28.4% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.3% in tier |
| AMR |
$11,899
+1.3% YoY-1.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
12.4%
+53.3% YoY+8.8% QoQ
|
-12.1% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)