BlastPoint's Credit Union Scorecard

ROUTE 31

Charter #5982 · MI

100M-500M

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

ROUTE 31 has 2 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Fee Income Per Member: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.15% below tier average
- Efficiency ratio 6.41% above tier (higher cost structure)
- Member decline: -3.6% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
Shares and deposits +7.3% year over year ($89.7M in shares and deposits).
Membership: 9,479 members, -3.6% vs a year ago.
Delinquency rate 0.41%.
Return on assets 0.71%.
Efficiency ratio 83.14% vs a 76.73% peer average.
Loan-to-share ratio 68.79% 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	9,479 -3.6% YoY+0.1% QoQ	-5.7K	15,168 -2.6% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	29%
Assets	$104.6M +6.3% YoY+3.0% QoQ	$-127.4M	$232.0M +0.7% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	Bottom 2.8% in tier
Loans	$61.7M -4.8% YoY+0.7% QoQ	$-84.5M	$146.3M +0.2% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	Bottom 12.0% in tier
Deposits	$89.7M +7.3% YoY+3.7% QoQ	$-111.0M	$200.7M +0.2% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	Bottom 2.9% 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	0.7% +13.9% YoY-31.1% QoQ	-0.2%	0.9% +12.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	47%
NIM	3.4% -4.2% YoY-0.6% QoQ	-0.3%	3.7% +4.5% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	33%
Efficiency Ratio	83.1% -4.0% YoY+7.0% QoQ	+6.4%	76.7% -0.8% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	70%
Delinquency Rate	0.4% -20.3% YoY+8.0% QoQ	-0.5	0.9% +6.6% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	28%
Loan To Share	68.8% -11.3% YoY-2.9% QoQ	-2.8%	71.5% -0.3% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	42%
AMR	$15,975 +5.8% YoY+2.4% QoQ	$-9K	$25,107 +3.2% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Bottom 12.8% in tier
CD Concentration	29.6% +4.3% YoY+0.6% QoQ	+5.0%	24.6%	18.8%	20.0%	50%
Indirect Auto %	45.0% -16.4% YoY-3.8% QoQ	+31.4%	13.6%	11.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#401 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.83%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#7 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.32%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 45.04%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.62%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | New qualifier

Stagnation Risk

risk

#155 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): -3.62%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.83%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.41%

(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 | New qualifier

Membership Headwinds

decline

#197 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): -3.62%

(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 | New qualifier

Efficiency Drag

risk

#322 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.14%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.09% points

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

worse than tier avg

Member Growth (YoY): -3.62%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Institutional Decline

decline

#141 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: $104.63M

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

worse than tier avg

Member Growth (YoY): -3.62%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.83%

(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 (3 metrics)

Fee Income Per Member

profitability

Value: $283.00

Peer Median: $159.88

#70 of 1024 Top 6.7% in 100M-500M tier

182

First Mortgage Concentration (%)

balance_sheet

Value: 13.62%

Peer Median: 29.92%

#182 of 1024 Top 17.7% in 100M-500M tier

203

Deposit Growth Rate

growth

Value: 7.30%

Peer Median: 3.58%

#203 of 1024 Top 19.7% in 100M-500M tier

Top Weaknesses (9 metrics)

995

Total Assets

balance_sheet

Value: $104.63M

Peer Median: $196.38M

#995 of 1024 Bottom 2.9% in 100M-500M tier

994

Total Deposits

balance_sheet

Value: $89.71M

Peer Median: $170.77M

#994 of 1024 Bottom 3.0% in 100M-500M tier

971

Indirect Auto Concentration (%)

balance_sheet

Value: 45.04%

Peer Median: 6.15%

#971 of 1024 Bottom 5.3% in 100M-500M tier

916

Loan Growth Rate

growth

Value: -4.83%

Peer Median: 3.02%

#916 of 1024 Bottom 10.6% in 100M-500M tier

901

Total Loans

balance_sheet

Value: $61.72M

Peer Median: $124.04M

#901 of 1024 Bottom 12.1% in 100M-500M tier

893

Average Member Relationship (AMR)

engagement

Value: $15,975

Peer Median: $23,006

#893 of 1024 Bottom 12.9% in 100M-500M tier

861

Member Growth Rate

growth

Value: -3.62%

Peer Median: -0.03%

#861 of 1024 Bottom 16.0% in 100M-500M tier

851

Loan-to-Member Ratio (LMR)

engagement

Value: $6,511

Peer Median: $9,434

#851 of 1024 Bottom 17.0% in 100M-500M tier

790

Members Per Employee (MPE)

engagement

Value: 256.189

Peer Median: 310.924

#790 of 1024 Bottom 22.9% in 100M-500M tier