BlastPoint's Credit Union Scorecard
EXTRA
Charter #60428 · MI
EXTRA has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 2.7% in tier
- + ROA 1.85% above tier average
- + Net Interest Margin 1.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.4% in tier
- + Efficiency Ratio: Top 7.4% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.5% in tier
- - Liquidity Overhang: Bottom 60.9% in tier
- - Delinquency rate 0.51% above tier average
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Members Per Employee (MPE): Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,952
-0.1% YoY+0.2% QoQ
|
+3.3K |
15,628
-3.4% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$332.5M
+7.3% YoY-0.6% QoQ
|
+$101.2M |
$231.3M
-0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$186.4M
-1.3% YoY-0.3% QoQ
|
+$38.6M |
$147.8M
-1.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$276.5M
+5.1% YoY-1.5% QoQ
|
+$76.2M |
$200.3M
-0.0% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
77% |
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| ROA |
2.6%
+92.7% YoY-22.2% QoQ
|
+1.9% |
0.8%
+15.5% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 0.9% in tier |
| NIM |
5.0%
+0.3% YoY+1.4% QoQ
|
+1.4% |
3.6%
+6.9% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
59.0%
-14.7% YoY+7.6% QoQ
|
-18.2% |
77.3%
-3.0% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.4% in tier |
| Delinquency Rate |
1.4%
+0.9% YoY+2.2% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
67.4%
-6.0% YoY+1.3% QoQ
|
-5.3% |
72.7%
-1.5% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$24,421
+2.6% YoY-1.2% QoQ
|
+$58 |
$24,363
+2.9% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
16.6%
+29.9% YoY+2.3% QoQ
|
-7.8% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)