BlastPoint's Credit Union Scorecard
DOW
Charter #60137 · MI
DOW has 3 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
- + Relationship Depth Leader: Top 62.1% in tier
- + Average Member Relationship (AMR): Top 6.9% in tier
- + Total Deposits: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 40.5% in tier
- - Credit Quality Pressure: Bottom 52.9% in tier
- - ROA 0.50% below tier average
- - Fee Income Per Member: Bottom 1.0% in tier
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,834
+1.1% YoY+0.1% QoQ
|
-12.2K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$2.6B
+5.9% YoY+2.4% QoQ
|
+$893.9M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Top 11.1% in tier |
| Loans |
$1.2B
-2.1% YoY-1.4% QoQ
|
+$14.6M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$2.4B
+5.4% YoY+3.5% QoQ
|
+$885.4M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Top 7.5% in tier |
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| ROA |
0.2%
-4.1% YoY-65.7% QoQ
|
-0.5% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.4% in tier |
| NIM |
2.0%
+2.4% YoY-1.2% QoQ
|
-1.4% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio |
73.8%
-3.1% YoY+22.4% QoQ
|
-0.8% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
0.3%
+7.5% YoY-33.8% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Top 12.7% in tier |
| Loan To Share |
52.2%
-7.1% YoY-4.8% QoQ
|
-30.9% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.3% in tier |
| AMR |
$42,694
+1.6% YoY+1.6% QoQ
|
+$13K |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 7.2% in tier |
| CD Concentration |
36.8%
-3.4% YoY-4.9% QoQ
|
+7.9% | 28.8% | 18.6% | 19.8% | 82% |
| Indirect Auto % |
28.0%
-6.2% YoY-2.5% QoQ
|
+9.9% | 18.1% | 11.7% | 7.7% | 74% |
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 (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)