BlastPoint's Credit Union Scorecard

TAHQUAMENON AREA

Charter #60423 · MI

<100M

2556 CUs in <100M nationally 59 in MI

TAHQUAMENON AREA has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 5.8% in tier

Key Concerns

Areas that may need attention

- ROA 0.31% below tier average
- Efficiency ratio 8.80% above tier (higher cost structure)
- Member decline: -5.6% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	4,634 -5.6% YoY-0.0% QoQ	+2.0K	2,615 -1.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	84%
Assets	$67.5M -3.8% YoY+1.8% QoQ	+$37.4M	$30.1M +2.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Top 13.8% in tier
Loans	$26.5M +4.7% YoY+3.6% QoQ	+$10.7M	$15.8M -1.3% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	79%
Deposits	$60.5M -6.5% YoY+1.3% QoQ	+$34.8M	$25.7M +1.4% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 12.1% 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	0.3% +168.6% YoY	-0.3%	0.6% +10.8% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	30%
NIM	2.9% -1.8% YoY+2.8% QoQ	-1.0%	4.0% +4.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	17%
Efficiency Ratio	91.4% -7.7% YoY-5.3% QoQ	+8.8%	82.6% -2.3% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	1.0% -27.1% YoY-21.7% QoQ	-0.6	1.6% -3.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	59%
Loan To Share	43.8% +11.9% YoY+2.3% QoQ	-16.8%	60.6% -3.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	24%
AMR	$18,774 +2.4% YoY+2.0% QoQ	+$4K	$14,783 -1.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	74%
CD Concentration	12.7% +38.4% YoY+1.3% QoQ	-11.8%	24.4%	18.6%	19.8%	50%
Indirect Auto %	4.1% +2199.1% YoY+23.7% QoQ	-9.7%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (6 metrics)

148

Fee Income Per Member

profitability

Value: $209.65

Peer Median: -

#148 of 2556 Top 5.8% in <100M tier

309

Total Deposits

balance_sheet

Value: $60.50M

Peer Median: -

#309 of 2556 Top 12.1% in <100M tier

353

Total Assets

balance_sheet

Value: $67.51M

Peer Median: -

#353 of 2556 Top 13.8% in <100M tier

416

Total Members

engagement

Value: 4,634

Peer Median: -

#416 of 2556 Top 16.2% in <100M tier

546

Total Loans

balance_sheet

Value: $26.50M

Peer Median: -

#546 of 2556 Top 21.3% in <100M tier

579

Loan Growth Rate

growth

Value: 4.66%

Peer Median: -

#579 of 2556 Top 22.6% in <100M tier

Top Weaknesses (8 metrics)

2251

Indirect Auto Concentration (%)

balance_sheet

Value: 4.09%

Peer Median: -

#2251 of 2556 Bottom 12.0% in <100M tier

2212

Deposit Growth Rate

growth

Value: -6.47%

Peer Median: -

#2212 of 2556 Bottom 13.5% in <100M tier

2196

Member Growth Rate

growth

Value: -5.64%

Peer Median: -

#2196 of 2556 Bottom 14.1% in <100M tier

2115

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: -

#2115 of 2556 Bottom 17.3% in <100M tier

2112

Members Per Employee (MPE)

engagement

Value: 210.636

Peer Median: -

#2112 of 2556 Bottom 17.4% in <100M tier

2099

Asset Growth Rate

growth

Value: -3.78%

Peer Median: -

#2099 of 2556 Bottom 17.9% in <100M tier

1982

Efficiency Ratio

profitability

Value: 91.36%

Peer Median: -

#1982 of 2556 Bottom 22.5% in <100M tier

1934

Loan-to-Share Ratio

balance_sheet

Value: 43.80%

Peer Median: -

#1934 of 2556 Bottom 24.4% in <100M tier