BlastPoint's Credit Union Scorecard

TLC COMMUNITY

Charter #60509 · MI

Community 750M-1B

117 CUs in 750M-1B nationally 9 in MI

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TLC COMMUNITY has 7 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 45.3% in tier
+ Organic Growth Engine: Top 47.5% in tier
+ Organic Growth Leader: Top 59.8% in tier
+ ROA 0.36% above tier average
+ Total Delinquency Rate (60+ days): Top 2.6% in tier
+ Asset Growth Rate: Top 3.4% in tier
+ Loan Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- Total Loans: Bottom 7.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	56,926 +2.0% YoY+0.6% QoQ	+4.8K	52,084 -1.6% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	61%
Assets	$919.9M +17.3% YoY+2.2% QoQ	+$56.0M	$863.9M +0.5% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	74%
Loans	$426.6M +14.8% YoY+1.5% QoQ	$-179.2M	$605.8M +1.4% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Bottom 6.8% in tier
Deposits	$720.4M +7.8% YoY+2.2% QoQ	$-16.9M	$737.3M +0.1% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	44%

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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	1.1% -11.3% YoY+2.0% QoQ	+0.4%	0.7% +39.1% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	78%
NIM	2.7% -1.3% YoY+1.8% QoQ	-0.6%	3.4% +8.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	16%
Efficiency Ratio	68.7% +2.6% YoY-1.0% QoQ	-5.7%	74.3% -3.6% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	0.1% -15.9% YoY-20.0% QoQ	-0.8	0.9% +3.8% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	Bottom 2.6% in tier
Loan To Share	59.2% +6.4% YoY-0.7% QoQ	-23.4%	82.6% +1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	Bottom 10.3% in tier
AMR	$20,149 +8.1% YoY+1.4% QoQ	$-9K	$28,873 +2.7% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	Bottom 13.7% in tier
CD Concentration	23.1% -2.5% YoY-0.9% QoQ	-1.3%	24.4%	18.6%	19.8%	45%
Indirect Auto %	13.9% -9.8% YoY-2.0% QoQ	+0.1%	13.8%	11.8%	7.8%	60%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#233 of 513 • Top 45.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.13%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth

#283 of 595 • Top 47.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.11%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 13.93%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#255 of 426 • Top 59.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.04%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 13.93%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (1)

Margin Compression

decline

#63 of 123 • Bottom 50.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.11%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.25%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 282 Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

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 117 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: -

#4 of 117 Top 2.6% in 750M-1B tier

Asset Growth Rate

growth

Value: 17.30%

Peer Median: -

#5 of 117 Top 3.4% in 750M-1B tier

Loan Growth Rate

growth

Value: 14.80%

Peer Median: -

#12 of 117 Top 9.4% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#17 of 117 Top 13.7% in 750M-1B tier

Net Worth Ratio

risk

Value: 14.36%

Peer Median: -

#17 of 117 Top 13.7% in 750M-1B tier

AMR Growth Rate

growth

Value: 8.13%

Peer Median: -

#25 of 117 Top 20.5% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.11%

Peer Median: -

#26 of 117 Top 21.4% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 23.14%

Peer Median: -

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (5 metrics)

112

Loan-to-Member Ratio (LMR)

engagement

Value: $7,494

Peer Median: -

#112 of 117 Bottom 5.1% in 750M-1B tier

109

Total Loans

balance_sheet

Value: $426.58M

Peer Median: -

#109 of 117 Bottom 7.7% in 750M-1B tier

105

Loan-to-Share Ratio

balance_sheet

Value: 59.21%

Peer Median: -

#105 of 117 Bottom 11.1% in 750M-1B tier

101

Average Member Relationship (AMR)

engagement

Value: $20,149

Peer Median: -

#101 of 117 Bottom 14.5% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.75%

Peer Median: -

#98 of 117 Bottom 17.1% in 750M-1B tier