BlastPoint's Credit Union Scorecard
OMNI COMMUNITY
Charter #60105 · MI
OMNI COMMUNITY has 7 strengths but faces 1 concern
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
- + Wallet Share Momentum: Top 21.3% in tier
- + Organic Growth Engine: Top 40.3% in tier
- + Organic Growth Leader: Top 40.3% in tier
- + ROA 0.90% above tier average
- + Net Interest Margin 1.19% above tier average
- + Net Worth Ratio: Top 3.0% in tier
- + Efficiency Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.5% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in Michigan.
- Shares and deposits +8.5% year over year ($554M in shares and deposits).
- Membership: 47,039 members, +1.0% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 1.72%.
- Efficiency ratio 62.70% vs a 76.56% peer average.
- Loan-to-share ratio 66.92% vs a 79.33% 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 |
47,039
+1.0% YoY+0.1% QoQ
|
+9.1K |
37,897
-5.0% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 13.9% in tier |
| Assets |
$662.0M
+9.1% YoY+1.4% QoQ
|
+$39.6M |
$622.4M
+0.6% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$370.6M
+7.8% YoY+2.1% QoQ
|
$-57.9M |
$428.5M
-0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$553.8M
+8.5% YoY+1.2% QoQ
|
+$14.0M |
$539.8M
+0.9% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
1.7%
+16.0% YoY+4.5% QoQ
|
+0.9% |
0.8%
+39.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 7.3% in tier |
| NIM |
4.7%
+2.9% YoY+1.4% QoQ
|
+1.2% |
3.5%
+5.0% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
62.7%
-5.0% YoY-0.6% QoQ
|
-13.9% |
76.6%
-3.6% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 9.7% in tier |
| Delinquency Rate |
0.7%
-17.6% YoY+1.7% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
66.9%
-0.7% YoY+0.9% QoQ
|
-12.4% |
79.3%
-1.4% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$19,652
+7.2% YoY+1.5% QoQ
|
$-8K |
$27,294
+4.1% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.7% in tier |
| CD Concentration |
22.3%
+25.7% YoY+5.9% QoQ
|
-2.2% | 24.6% | 18.8% | 20.0% | 42% |
| Indirect Auto % |
3.0%
-7.3% YoY+0.1% QoQ
|
-10.6% | 13.6% | 11.7% | 7.7% | 42% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
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)