BlastPoint's Credit Union Scorecard
ADVENTURE
Charter #60936 · MI
ADVENTURE has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 29.5% in tier
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.4% in tier
- - Credit Risk Growth: Bottom 25.2% in tier
- - Credit Quality Pressure: Bottom 35.9% in tier
- - Membership Headwinds: Bottom 77.6% in tier
- - Stagnation Risk: Bottom 77.6% in tier
- - Indirect Auto Dependency: Bottom 87.1% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 10.02% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,275
-2.5% YoY+12.8% QoQ
|
+5.2K |
38,079
-4.8% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$642.0M
-0.7% YoY+2.1% QoQ
|
+$22.3M |
$619.7M
-0.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$448.3M
+8.0% YoY+2.9% QoQ
|
+$28.9M |
$419.3M
-1.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$562.1M
-0.3% YoY+3.0% QoQ
|
+$22.7M |
$539.5M
-0.1% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
63% |
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| ROA |
0.1%
-120.7% YoY-62.8% QoQ
|
-0.6% |
0.7%
+36.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.6% in tier |
| NIM |
3.9%
-6.0% YoY-3.1% QoQ
|
+0.4% |
3.5%
+4.5% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
88.4%
+2.2% YoY+3.4% QoQ
|
+10.0% |
78.4%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
0.6%
+21.5% YoY-32.4% QoQ
|
-0.1 |
0.7%
-0.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
79.7%
+8.4% YoY-0.1% QoQ
|
+2.1% |
77.7%
-1.2% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$23,349
+5.9% YoY-8.7% QoQ
|
$-4K |
$26,927
+3.1% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
18.7%
-1.2% YoY-1.0% QoQ
|
-5.6% | 24.3% | 18.6% | 19.8% | 30% |
| Indirect Auto % |
23.9%
+13.8% YoY+7.3% QoQ
|
+10.1% | 13.8% | 11.7% | 7.7% | 76% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)