BlastPoint's Credit Union Scorecard

A.B.D.

Charter #5885 · MI

<100M

2508 CUs in <100M nationally 56 in MI

A.B.D. has 2 strengths but faces 3 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

+ Fee Income Per Member: Top 2.4% in tier
+ Total Members: Top 8.2% in tier

Key Concerns

Areas that may need attention

- ROA 1.11% below tier average
- Efficiency ratio 18.11% above tier (higher cost structure)
- Member decline: -3.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	6,115 -3.3% YoY+0.4% QoQ	+3.4K	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Top 8.3% in tier
Assets	$66.7M -2.5% YoY-1.5% QoQ	+$36.5M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Top 13.4% in tier
Loans	$17.2M -7.7% YoY-3.5% QoQ	+$2.0M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	66%
Deposits	$56.0M -3.0% YoY-0.8% QoQ	+$30.2M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Top 14.6% in tier

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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	-1.0% -157.4% YoY-207.5% QoQ	-1.1%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Bottom 8.7% in tier
NIM	3.7% -5.8% YoY-7.6% QoQ	-0.4%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	108.7% +43.2% YoY+25.7% QoQ	+18.1%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Bottom 10.1% in tier
Delinquency Rate	1.5% -18.8% YoY+4.2% QoQ	+0.0	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	74%
Loan To Share	30.8% -4.8% YoY-2.7% QoQ	-27.7%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	Bottom 12.2% in tier
AMR	$11,969 -0.9% YoY-1.8% QoQ	$-3K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	39%
CD Concentration	13.0% +19.1% YoY+6.6% QoQ	-11.3%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Fee Income Per Member

profitability

Value: $253.86

Peer Median: $60.42

#62 of 2508 Top 2.4% in <100M tier

207

Total Members

engagement

Value: 6,115

Peer Median: 1,918

#207 of 2508 Top 8.2% in <100M tier

337

Total Assets

balance_sheet

Value: $66.70M

Peer Median: $21.86M

#337 of 2508 Top 13.4% in <100M tier

367

Total Deposits

balance_sheet

Value: $55.96M

Peer Median: $18.77M

#367 of 2508 Top 14.6% in <100M tier

Top Weaknesses (5 metrics)

2291

Return on Assets (ROA)

profitability

Value: -0.97%

Peer Median: 0.61%

#2291 of 2508 Bottom 8.7% in <100M tier

2255

Efficiency Ratio

profitability

Value: 108.74%

Peer Median: 81.45%

#2255 of 2508 Bottom 10.1% in <100M tier

2201

Loan-to-Share Ratio

balance_sheet

Value: 30.80%

Peer Median: 58.72%

#2201 of 2508 Bottom 12.3% in <100M tier

2023

Members Per Employee (MPE)

engagement

Value: 218.393

Peer Median: 333.750

#2023 of 2508 Bottom 19.4% in <100M tier

1941

Loan-to-Member Ratio (LMR)

engagement

Value: $2,818

Peer Median: $4,923

#1941 of 2508 Bottom 22.6% in <100M tier