BlastPoint's Credit Union Scorecard
EXTRA
Charter #60428 · MI
EXTRA has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 1.32% above tier average
- + Fee Income Per Member: Top 1.1% in tier
- + Net Worth Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 0.68% above tier average
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Members Per Employee (MPE): Bottom 2.9% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 68 that size in Michigan.
- Shares and deposits +1.5% year over year ($285M in shares and deposits).
- Membership: 18,997 members, +0.4% vs a year ago.
- Delinquency rate 1.56%.
- Return on assets 1.17%.
- Efficiency ratio 73.04% vs a 76.73% peer average.
- Loan-to-share ratio 64.41% vs a 71.54% 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 |
18,997
+0.4% YoY-0.0% QoQ
|
+3.8K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$345.4M
+3.3% YoY+0.3% QoQ
|
+$113.4M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$183.6M
-1.8% YoY+0.0% QoQ
|
+$37.3M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$285.1M
+1.5% YoY-0.1% QoQ
|
+$84.3M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
1.2%
-65.6% YoY+70.2% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
5.0%
+2.0% YoY+1.9% QoQ
|
+1.3% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
73.0%
+33.2% YoY-0.5% QoQ
|
-3.7% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
1.6%
+16.3% YoY+11.7% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
64.4%
-3.3% YoY+0.1% QoQ
|
-7.1% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$24,669
-0.2% YoY+0.0% QoQ
|
$-437 |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
16.8%
+3.5% YoY+0.6% QoQ
|
-7.8% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)