BlastPoint's Credit Union Scorecard

OMNI COMMUNITY

Charter #60105 · MI

Community 500M-750M

167 CUs in 500M-750M nationally 10 in MI

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OMNI COMMUNITY has 7 strengths but faces 2 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

+ Wallet Share Momentum: Top 26.5% in tier
+ Organic Growth Engine: Top 39.4% in tier
+ Organic Growth Leader: Top 39.4% in tier
+ ROA 0.96% above tier average
+ Net Interest Margin 1.19% above tier average
+ Net Worth Ratio: Top 3.0% in tier
+ Efficiency Ratio: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 9.5% in tier
- Average Member Relationship (AMR): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	47,012 +1.1% YoY+0.6% QoQ	+8.9K	38,079 -4.8% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Top 14.4% in tier
Assets	$652.6M +8.5% YoY+3.7% QoQ	+$32.9M	$619.7M -0.2% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	62%
Loans	$363.0M +7.1% YoY+0.9% QoQ	$-56.3M	$419.3M -1.4% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	26%
Deposits	$547.3M +7.6% YoY+4.6% QoQ	+$7.8M	$539.5M -0.1% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	54%

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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	1.6% -2.6% YoY+21.1% QoQ	+1.0%	0.7% +36.0% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 6.0% in tier
NIM	4.7% +1.4% YoY+7.3% QoQ	+1.2%	3.5% +4.5% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	Top 3.6% in tier
Efficiency Ratio	63.1% -1.5% YoY-8.9% QoQ	-15.3%	78.4% -3.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Top 7.2% in tier
Delinquency Rate	0.7% -20.7% YoY-5.6% QoQ	+0.0	0.7% -0.9% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	60%
Loan To Share	66.3% -0.4% YoY-3.6% QoQ	-11.3%	77.7% -1.2% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	18%
AMR	$19,364 +6.2% YoY+2.5% QoQ	$-8K	$26,927 +3.1% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	Bottom 9.0% in tier
CD Concentration	21.1% +29.8% YoY+4.7% QoQ	-3.2%	24.3%	18.6%	19.8%	39%
Indirect Auto %	3.0% -9.7% YoY+1.2% QoQ	-10.8%	13.8%	11.7%	7.7%	41%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#181 of 352 • Top 39.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.07%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.64%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 3.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth

#354 of 491 • Top 26.5% in tier

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

Why This Signature

AMR Growth (YoY): 6.25%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#306 of 371 • Top 39.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.07%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 3.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk

#103 of 126 • Bottom 9.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.10%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 66.33%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 284 Community CUs have this signature | 143 nationally

↑ Growing +19 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 167 peers in tier

Top Strengths (9 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.65%

Peer Median: 3.48%

#6 of 167 Top 3.0% in 500M-750M tier

Net Worth Ratio

risk

Value: 16.10%

Peer Median: 10.35%

#6 of 167 Top 3.0% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.64%

Peer Median: 0.61%

#10 of 167 Top 5.4% in 500M-750M tier

Efficiency Ratio

profitability

Value: 63.09%

Peer Median: 78.61%

#13 of 167 Top 7.2% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 15.88%

Peer Median: 32.87%

#19 of 167 Top 10.8% in 500M-750M tier

Fee Income Per Member

profitability

Value: $273.48

Peer Median: $178.80

#24 of 167 Top 13.8% in 500M-750M tier

Total Members

engagement

Value: 47,012

Peer Median: 36,874

#24 of 167 Top 13.8% in 500M-750M tier

Asset Growth Rate

growth

Value: 8.49%

Peer Median: 4.66%

#35 of 167 Top 20.4% in 500M-750M tier

Deposit Growth Rate

growth

Value: 7.57%

Peer Median: 4.02%

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (4 metrics)

152

Average Member Relationship (AMR)

engagement

Value: $19,364

Peer Median: $25,600

#152 of 167 Bottom 9.6% in 500M-750M tier

145

Net Charge-Off Rate

risk

Value: 0.88%

Peer Median: 0.39%

#145 of 167 Bottom 13.8% in 500M-750M tier

145

Loan-to-Member Ratio (LMR)

engagement

Value: $7,722

Peer Median: $11,231

#145 of 167 Bottom 13.8% in 500M-750M tier

137

Loan-to-Share Ratio

balance_sheet

Value: 66.33%

Peer Median: 79.97%

#137 of 167 Bottom 18.6% in 500M-750M tier