BlastPoint's Credit Union Scorecard

DOW

Charter #60137 · MI

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 19 in MI

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DOW has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market 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 28.6% in tier
+ Credit Quality Leader: Top 73.4% in tier
+ Relationship Depth Leader: Top 90.9% in tier
+ ROA 0.03% above tier average
+ Efficiency Ratio: Top 6.2% in tier
+ Average Member Relationship (AMR): Top 6.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 10.7% in tier
- Credit Quality Pressure: Bottom 23.1% in tier
- Net Interest Margin (NIM): Bottom 2.6% in tier
- Loan-to-Share Ratio: Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	83,478 +1.4% YoY+0.2% QoQ	-15.2K	98,678 -1.9% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	44%
Assets	$2.5B +6.7% YoY+0.5% QoQ	+$772.4M	$1.7B +0.5% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	84%
Loans	$1.2B -1.8% YoY-1.4% QoQ	$-2.5M	$1.2B +0.5% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	60%
Deposits	$2.2B +6.3% YoY-0.2% QoQ	+$765.1M	$1.5B +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	Top 10.9% in tier

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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	0.7% +10.6% YoY+10.9% QoQ	+0.0%	0.7% +13.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	59%
NIM	2.0% +21.6% YoY+1.3% QoQ	-1.3%	3.3% +9.3% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Bottom 2.3% in tier
Efficiency Ratio	59.6% -6.4% YoY-2.5% QoQ	-14.4%	74.0% -10.9% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Bottom 6.2% in tier
Delinquency Rate	0.4% +10.6% YoY+5.9% QoQ	-0.5	0.8% +6.1% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	18%
Loan To Share	55.4% -7.6% YoY-1.2% QoQ	-29.7%	85.2% -0.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	Bottom 3.3% in tier
AMR	$41,328 +1.9% YoY-0.8% QoQ	+$12K	$29,172 +2.8% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	Top 7.2% in tier
CD Concentration	39.6% -0.4% YoY+2.6% QoQ	+10.6%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	Top 12.1% in tier
Indirect Auto %	29.3% -5.7% YoY+0.0% QoQ	+10.6%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	73%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#208 of 246 • Top 28.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.37%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.73%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 29.32%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Credit Quality Leader

growth

#70 of 95 • Top 73.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.36%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.03% points

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

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY

Relationship Depth Leader

growth

#61 of 67 • Top 90.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.88%

(Tier: 3.04%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.7K

(Tier: $3.1K, National: $2.0K)

but worse than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk

#67 of 202 • Bottom 10.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.71%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 29.32%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.37%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk

#178 of 217 • Bottom 23.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

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

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 59.60%

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $41,328

Peer Avg: -

#22 of 304 Top 6.9% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.22B

Peer Avg: -

#33 of 304 Top 10.5% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.49B

Peer Avg: -

#49 of 304 Top 15.8% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 434.781

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Avg: -

#56 of 304 Top 18.1% in 1B-3B tier

Top Weaknesses (5 metrics)

297

Net Interest Margin (NIM)

profitability

Value: 1.96%

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

294

Loan-to-Share Ratio

balance_sheet

Value: 55.45%

Peer Avg: -

#294 of 304 Bottom 3.6% in 1B-3B tier

274

Share Certificate Concentration (%)

balance_sheet

Value: 39.61%

Peer Avg: -

#274 of 304 Bottom 10.2% in 1B-3B tier

257

Loan Growth Rate

growth

Value: -1.79%

Peer Avg: -

#257 of 304 Bottom 15.8% in 1B-3B tier

235

First Mortgage Concentration (%)

balance_sheet

Value: 43.95%

Peer Avg: -

#235 of 304 Bottom 23.0% in 1B-3B tier