BlastPoint's Credit Union Scorecard
TLC COMMUNITY
Charter #60509 · MI
TLC COMMUNITY has 8 strengths but faces 5 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
- + Organic Growth Engine: Top 19.7% in tier
- + Organic Growth Leader: Top 21.5% in tier
- + Credit Quality Leader: Top 28.9% in tier
- + Wallet Share Momentum: Top 32.9% in tier
- + ROA 0.38% above tier average
- + Asset Growth Rate: Top 3.6% in tier
- + Loan Growth Rate: Top 3.6% in tier
- + Total Delinquency Rate (60+ days): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.5% in tier
- - Margin Compression: Bottom 16.0% in tier
- - Credit Quality Pressure: Bottom 22.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- - Total Loans: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,606
+1.8% YoY+0.7% QoQ
|
+4.5K |
52,114
-2.1% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$899.8M
+15.7% YoY-0.1% QoQ
|
+$40.8M |
$859.0M
+0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$420.4M
+17.6% YoY+8.3% QoQ
|
$-183.0M |
$603.4M
+1.0% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.1% in tier |
| Deposits |
$704.8M
+7.2% YoY-1.1% QoQ
|
$-29.4M |
$734.2M
+0.9% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
1.1%
-14.1% YoY+4.3% QoQ
|
+0.4% |
0.7%
+27.6% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
75% |
| NIM |
2.7%
-5.6% YoY+0.2% QoQ
|
-0.7% |
3.4%
+9.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
69.4%
+2.9% YoY-2.3% QoQ
|
-5.2% |
74.5%
-3.2% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.2%
+74.6% YoY+37.5% QoQ
|
-0.7 |
0.8%
+5.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
59.6%
+9.7% YoY+9.5% QoQ
|
-23.0% |
82.7%
+0.1% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.6% in tier |
| AMR |
$19,877
+8.9% YoY+1.5% QoQ
|
$-9K |
$28,651
+2.5% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.6% in tier |
| CD Concentration |
23.4%
+1.1% YoY+2.8% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
47% |
| Indirect Auto % |
14.2%
-13.5% YoY-6.2% QoQ
|
+0.2% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
60% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
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)