BlastPoint's Credit Union Scorecard

OMNI COMMUNITY

Charter #60105 · MI

Community 500M-750M

169 CUs in 500M-750M nationally 9 in MI

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OMNI COMMUNITY has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 12.7% in tier
+ Organic Growth Leader: Top 23.9% in tier
+ Profitability Leader: Top 43.7% in tier
+ ROA 0.85% above tier average
+ Net Interest Margin 1.21% above tier average
+ Net Worth Ratio: Top 3.0% in tier
+ Fee Income Per Member: Top 8.9% in tier
+ Efficiency Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.7% in tier
- Cost Spiral: Bottom 13.2% in tier
- Credit Quality Pressure: Bottom 15.0% in tier
- Credit Risk Growth: Bottom 17.7% in tier
- Liquidity Overhang: Bottom 66.2% in tier
- Delinquency rate 0.24% above tier average
- Average Member Relationship (AMR): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	46,468 +1.4% YoY-0.3% QoQ	+6.7K	39,752 -2.7% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	77%
Assets	$607.0M +5.2% YoY+0.0% QoQ	$-15.3M	$622.4M +0.3% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	43%
Loans	$350.3M +5.2% YoY+1.9% QoQ	$-85.6M	$435.9M -0.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	16%
Deposits	$506.1M +5.1% YoY-0.8% QoQ	$-32.0M	$538.0M +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	36%

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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	1.5% -22.4% YoY+2.2% QoQ	+0.9%	0.7% +33.9% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	Top 7.1% in tier
NIM	4.6% +9.6% YoY+1.2% QoQ	+1.2%	3.4% +8.6% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Top 3.0% in tier
Efficiency Ratio	66.5% +9.6% YoY+0.7% QoQ	-11.6%	78.1% -3.4% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Bottom 9.5% in tier
Delinquency Rate	1.0% +22.5% YoY+15.0% QoQ	+0.2	0.8% -4.9% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	78%
Loan To Share	69.2% +0.0% YoY+2.8% QoQ	-11.8%	81.0% -1.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	17%
AMR	$18,430 +3.7% YoY+0.5% QoQ	$-8K	$26,482 +2.6% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	Bottom 8.3% in tier
CD Concentration	19.4% +33.8% YoY+8.9% QoQ	-5.1%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	32%
Indirect Auto %	3.1% -17.1% YoY-3.6% QoQ	-10.9%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	41%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#233 of 603 • Top 12.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.51%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 3.12%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#316 of 430 • Top 23.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.40%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 3.12%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Profitability Leader

growth

#149 of 340 • Top 43.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.51%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.44% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (5)

Margin Compression

decline

#4 of 136 • Bottom 0.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.51%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.95%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.44% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 281 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Cost Spiral

risk

#33 of 62 • Bottom 13.2% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.81% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 55.57%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 281 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk

#372 of 736 • Bottom 15.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#266 of 446 • Bottom 17.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.17%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Overhang

risk

#89 of 134 • Bottom 66.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.78%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 69.23%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 281 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (8 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.64%

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Net Worth Ratio

risk

Value: 16.78%

Peer Avg: -

#6 of 169 Top 3.0% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.51%

Peer Avg: -

#12 of 169 Top 6.5% in 500M-750M tier

Fee Income Per Member

profitability

Value: $302.98

Peer Avg: -

#16 of 169 Top 8.9% in 500M-750M tier

Efficiency Ratio

profitability

Value: 66.47%

Peer Avg: -

#17 of 169 Top 9.5% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 15.90%

Peer Avg: -

#23 of 169 Top 13.0% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.35%

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Total Members

engagement

Value: 46,468

Peer Avg: -

#39 of 169 Top 22.5% in 500M-750M tier

Top Weaknesses (6 metrics)

155

Average Member Relationship (AMR)

engagement

Value: $18,430

Peer Avg: -

#155 of 169 Bottom 8.9% in 500M-750M tier

151

Loan-to-Member Ratio (LMR)

engagement

Value: $7,539

Peer Avg: -

#151 of 169 Bottom 11.2% in 500M-750M tier

150

Net Charge-Off Rate

risk

Value: 0.99%

Peer Avg: -

#150 of 169 Bottom 11.8% in 500M-750M tier

142

Total Loans

balance_sheet

Value: $350.34M

Peer Avg: -

#142 of 169 Bottom 16.6% in 500M-750M tier

140

Loan-to-Share Ratio

balance_sheet

Value: 69.23%

Peer Avg: -

#140 of 169 Bottom 17.8% in 500M-750M tier

133

Total Delinquency Rate (60+ days)

risk

Value: 1.04%

Peer Avg: -

#133 of 169 Bottom 21.9% in 500M-750M tier