BlastPoint's Credit Union Scorecard

PUBLIC SERVICE

Charter #60683 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

PUBLIC SERVICE has 6 strengths but faces 7 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Assets: Top 4.3% in tier
+ Total Members: Top 5.3% in tier
+ Fee Income Per Member: Top 5.4% in tier
+ Total Deposits: Top 5.7% in tier
+ Total Loans: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.10% below tier average
- Efficiency ratio 5.57% above tier (higher cost structure)
- Delinquency rate 0.44% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	32,005 -1.4% YoY-0.7% QoQ	+16.6K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	Top 5.4% in tier
Assets	$452.2M +7.8% YoY+4.3% QoQ	+$220.3M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Top 4.4% in tier
Loans	$296.3M +6.7% YoY+1.1% QoQ	+$148.9M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Top 6.7% in tier
Deposits	$379.2M +6.8% YoY+1.6% QoQ	+$178.4M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 5.8% 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	0.7% +13.6% YoY-8.1% QoQ	-0.1%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	42%
NIM	3.6% +12.1% YoY-0.7% QoQ	+0.0%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	48%
Efficiency Ratio	82.6% +6.3% YoY-1.2% QoQ	+5.6%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	1.3% -36.3% YoY+12.0% QoQ	+0.4	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	82%
Loan To Share	78.1% -0.0% YoY-0.5% QoQ	+5.9%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	58%
AMR	$21,105 +8.2% YoY+2.1% QoQ	$-4K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	41%
CD Concentration	28.7% +8.0% YoY-0.5% QoQ	+4.3%	24.4%	18.6%	19.8%	50%
Indirect Auto %	23.0% -8.7% YoY-1.7% QoQ	+9.2%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#228 of 513 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 8.22%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#185 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.79%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 22.96%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#210 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.58%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.08% points

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

worse than tier avg

Member Growth (YoY): -1.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Membership Headwinds

decline

#430 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#446 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 6.73%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.33%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (8 metrics)

Total Assets

balance_sheet

Value: $452.17M

Peer Median: -

#47 of 1069 Top 4.3% in 100M-500M tier

Total Members

engagement

Value: 32,005

Peer Median: -

#58 of 1069 Top 5.3% in 100M-500M tier

Fee Income Per Member

profitability

Value: $301.52

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $379.17M

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

Total Loans

balance_sheet

Value: $296.29M

Peer Median: -

#72 of 1069 Top 6.6% in 100M-500M tier

119

First Mortgage Concentration (%)

balance_sheet

Value: 8.88%

Peer Median: -

#119 of 1069 Top 11.0% in 100M-500M tier

180

AMR Growth Rate

growth

Value: 8.22%

Peer Median: -

#180 of 1069 Top 16.7% in 100M-500M tier

265

Asset Growth Rate

growth

Value: 7.79%

Peer Median: -

#265 of 1069 Top 24.7% in 100M-500M tier

Top Weaknesses (4 metrics)

873

Total Delinquency Rate (60+ days)

risk

Value: 1.33%

Peer Median: -

#873 of 1069 Bottom 18.4% in 100M-500M tier

845

Members Per Employee (MPE)

engagement

Value: 256.040

Peer Median: -

#845 of 1069 Bottom 21.0% in 100M-500M tier

822

Net Charge-Off Rate

risk

Value: 0.64%

Peer Median: -

#822 of 1069 Bottom 23.2% in 100M-500M tier

820

Indirect Auto Concentration (%)

balance_sheet

Value: 22.96%

Peer Median: -

#820 of 1069 Bottom 23.4% in 100M-500M tier