BlastPoint's Credit Union Scorecard
A.B.D.
Charter #5885 · MI
A.B.D. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 2.5% in tier
- + Total Members: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Efficiency ratio 16.31% above tier (higher cost structure)
- - Member decline: -2.3% YoY
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 -3.3% year over year ($55.5M in shares and deposits).
- Membership: 6,130 members, -2.3% vs a year ago.
- Delinquency rate 1.36%.
- Return on assets 0.57%.
- Efficiency ratio 105.08% vs a 88.77% peer average.
- Loan-to-share ratio 30.95% 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 |
6,130
-2.3% YoY+0.2% QoQ
|
+3.5K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 8.2% in tier |
| Assets |
$66.5M
-2.6% YoY-0.3% QoQ
|
+$36.2M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.9% in tier |
| Loans |
$17.2M
-6.4% YoY-0.3% QoQ
|
+$1.7M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$55.5M
-3.3% YoY-0.8% QoQ
|
+$29.7M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
85% |
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| ROA |
0.6%
-57.5% YoY-158.7% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
3.7%
-5.4% YoY+0.4% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
105.1%
+29.1% YoY-3.4% QoQ
|
+16.3% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate |
1.4%
+73.1% YoY-6.1% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
30.9%
-3.2% YoY+0.5% QoQ
|
-27.9% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.0% in tier |
| AMR |
$11,856
-1.7% YoY-0.9% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
13.9%
+22.8% YoY+7.5% QoQ
|
-10.6% | 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)