BlastPoint's Credit Union Scorecard
DOW
Charter #60137 · MI
DOW has 5 strengths but faces 4 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 57.3% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
- + Total Deposits: Top 7.7% in tier
- + Total Delinquency Rate (60+ days): Top 8.3% in tier
- + Efficiency Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 42.5% in tier
- - ROA 0.06% below tier average
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 3.3% 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 +5.7% year over year ($2.35B in shares and deposits).
- Membership: 83,961 members, +0.8% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 0.76%.
- Efficiency ratio 59.51% vs a 73.02% peer average.
- Loan-to-share ratio 52.41% 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 |
83,961
+0.8% YoY+0.2% QoQ
|
-12.9K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$2.6B
+5.9% YoY+0.4% QoQ
|
+$900.6M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Top 11.3% in tier |
| Loans |
$1.2B
-1.4% YoY+0.3% QoQ
|
$-2.6M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$2.3B
+5.7% YoY-0.0% QoQ
|
+$886.4M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 8.0% in tier |
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| ROA |
0.8%
+15.0% YoY+241.3% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
2.0%
+3.4% YoY+0.6% QoQ
|
-1.4% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
59.5%
-2.7% YoY-19.4% QoQ
|
-13.5% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 8.7% in tier |
| Delinquency Rate |
0.3%
-15.3% YoY+5.8% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Top 8.3% in tier |
| Loan To Share |
52.4%
-6.6% YoY+0.3% QoQ
|
-32.3% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.0% in tier |
| AMR |
$42,656
+2.3% YoY-0.1% QoQ
|
+$13K |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
Top 6.3% in tier |
| CD Concentration |
36.3%
-6.0% YoY-1.2% QoQ
|
+7.2% | 29.1% | 18.8% | 20.0% | 80% |
| Indirect Auto % |
26.6%
-9.2% YoY-5.0% QoQ
|
+8.5% | 18.1% | 11.7% | 7.7% | 73% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)