BlastPoint's Credit Union Scorecard
ADVENTURE
Charter #60936 · MI
ADVENTURE has 2 strengths but faces 8 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
- + Wallet Share Momentum: Top 25.1% in tier
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 23.5% in tier
- - Credit Risk Growth: Bottom 25.0% in tier
- - Credit Quality Pressure: Bottom 37.4% in tier
- - Membership Headwinds: Bottom 78.0% in tier
- - Stagnation Risk: Bottom 78.0% in tier
- - Flatlined Growth: Bottom 79.1% in tier
- - Indirect Auto Dependency: Bottom 79.1% in tier
- - ROA 0.45% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in Michigan.
- Shares and deposits +1.1% year over year ($564M in shares and deposits).
- Membership: 42,876 members, -2.4% vs a year ago.
- Delinquency rate 0.73%.
- Return on assets 0.37%.
- Efficiency ratio 84.58% vs a 76.56% peer average.
- Loan-to-share ratio 80.19% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,876
-2.4% YoY-0.9% QoQ
|
+5.0K |
37,897
-5.0% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$645.9M
+0.7% YoY+0.6% QoQ
|
+$23.5M |
$622.4M
+0.6% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$452.4M
+8.0% YoY+0.9% QoQ
|
+$23.9M |
$428.5M
-0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$564.1M
+1.1% YoY+0.4% QoQ
|
+$24.4M |
$539.8M
+0.9% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.4%
-270.6% YoY+187.0% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
4.0%
+10.0% YoY+2.1% QoQ
|
+0.4% |
3.5%
+5.0% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
84.6%
-4.8% YoY-4.3% QoQ
|
+8.0% |
76.6%
-3.6% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.7%
+15.8% YoY+19.7% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
80.2%
+6.9% YoY+0.6% QoQ
|
+0.9% |
79.3%
-1.4% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$23,709
+6.7% YoY+1.5% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
19.3%
+1.1% YoY+3.1% QoQ
|
-5.3% | 24.6% | 18.8% | 20.0% | 31% |
| Indirect Auto % |
24.1%
+9.9% YoY+0.6% QoQ
|
+10.4% | 13.6% | 11.7% | 7.7% | 77% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)