BlastPoint's Credit Union Scorecard
OMNI COMMUNITY
Charter #60105 · MI
OMNI COMMUNITY has 7 strengths but faces 3 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
- + Organic Growth Engine: Top 49.5% in tier
- + Organic Growth Leader: Top 83.5% in tier
- + Wallet Share Momentum: Top 94.0% in tier
- + ROA 0.70% above tier average
- + Net Interest Margin 0.89% above tier average
- + Net Worth Ratio: Top 2.4% in tier
- + Fee Income Per Member: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 30.3% in tier
- - Liquidity Overhang: Bottom 80.6% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,747
+1.1% YoY+0.6% QoQ
|
+8.2K |
38,575
-4.8% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$629.0M
+8.7% YoY+3.6% QoQ
|
+$7.3M |
$621.7M
+0.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$359.9M
+5.2% YoY+2.7% QoQ
|
$-69.9M |
$429.8M
-1.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$523.1M
+7.2% YoY+3.4% QoQ
|
$-15.6M |
$538.7M
+0.6% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
42% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
-11.0% YoY-10.2% QoQ
|
+0.7% |
0.7%
+42.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 8.5% in tier |
| NIM |
4.3%
+6.9% YoY-6.5% QoQ
|
+0.9% |
3.4%
+8.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
69.2%
+5.3% YoY+4.2% QoQ
|
-8.3% |
77.5%
-4.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.8%
-34.6% YoY-25.4% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
68.8%
-1.9% YoY-0.6% QoQ
|
-11.0% |
79.8%
-2.3% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$18,888
+5.3% YoY+2.5% QoQ
|
$-8K |
$26,849
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
20.1%
+33.1% YoY+4.1% QoQ
|
-4.3% | 24.4% | 18.6% | 19.8% | 35% |
| Indirect Auto % |
3.0%
-15.8% YoY-5.0% QoQ
|
-10.8% | 13.8% | 11.8% | 7.8% | 41% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)