BlastPoint's Credit Union Scorecard
WILDFIRE
Charter #60057 · MI
WILDFIRE has 3 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 33.6% in tier
- + Wallet Share Momentum: Top 33.6% in tier
- + Emerging Performer: Top 70.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.3% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 3.68% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Total Members: Bottom 7.7% in tier
- - Share Certificate Concentration (%): Bottom 8.0% in tier
- - Total Loans: Bottom 9.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
- Shares and deposits +5.3% year over year ($1.07B in shares and deposits).
- Membership: 50,643 members, +2.5% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.59%.
- Efficiency ratio 76.70% vs a 73.02% peer average.
- Loan-to-share ratio 68.13% vs a 84.71% 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 |
50,643
+2.5% YoY+0.8% QoQ
|
-46.2K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 7.3% in tier |
| Assets |
$1.2B
+5.3% YoY+1.2% QoQ
|
$-520.8M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$727.3M
+11.2% YoY+2.8% QoQ
|
$-506.9M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.3% in tier |
| Deposits |
$1.1B
+5.3% YoY+1.3% QoQ
|
$-395.8M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.6%
+128.2% YoY+24.3% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.2%
+12.9% YoY+1.3% QoQ
|
-0.3% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
76.7%
-9.5% YoY-2.5% QoQ
|
+3.7% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.6%
-21.6% YoY+22.0% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
68.1%
+5.6% YoY+1.5% QoQ
|
-16.6% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.0% in tier |
| AMR |
$35,442
+5.0% YoY+1.1% QoQ
|
+$6K |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
41.0%
+2.8% YoY+1.4% QoQ
|
+11.9% | 29.1% | 18.8% | 20.0% | Top 9.6% in tier |
| Indirect Auto % |
17.7%
+7.3% YoY+2.2% QoQ
|
-0.4% | 18.1% | 11.7% | 7.7% | 56% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)