BlastPoint's Credit Union Scorecard
DOW
Charter #60137 · MI
DOW has 4 strengths but faces 6 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
- + Organic Growth Engine: Top 90.7% in tier
- + Average Member Relationship (AMR): Top 7.0% in tier
- + Efficiency Ratio: Top 7.3% in tier
- + Total Deposits: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 34.9% in tier
- - Credit Quality Pressure: Bottom 51.4% in tier
- - ROA 0.04% below tier average
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 3.3% in tier
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,732
+1.2% YoY+0.3% QoQ
|
-13.7K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$2.6B
+6.8% YoY+2.4% QoQ
|
+$828.3M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 13.9% in tier |
| Loans |
$1.2B
-3.0% YoY+1.3% QoQ
|
+$11.8M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$2.3B
+5.3% YoY+2.3% QoQ
|
+$812.2M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
Top 9.3% in tier |
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| ROA |
0.6%
+23.6% YoY-11.4% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
2.0%
+18.3% YoY+2.6% QoQ
|
-1.3% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
60.3%
-9.3% YoY+1.2% QoQ
|
-13.8% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
0.4%
+44.3% YoY+14.2% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
54.9%
-7.9% YoY-1.1% QoQ
|
-29.9% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$42,012
+0.9% YoY+1.7% QoQ
|
+$13K |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 7.3% in tier |
| CD Concentration |
38.7%
-2.9% YoY-2.4% QoQ
|
+9.6% | 29.0% | 18.6% | 19.8% | Top 14.6% in tier |
| Indirect Auto % |
28.7%
-5.5% YoY-2.0% QoQ
|
+10.4% | 18.3% | 11.8% | 7.8% | 74% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)