BlastPoint's Credit Union Scorecard
ADVENTURE
Charter #60936 · MI
ADVENTURE has 10 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.7% in tier
- + Organic Growth Engine: Top 53.0% in tier
- + Net Interest Margin 0.57% above tier average
- + Strong member growth: 25.2% YoY
- + Deposit Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 1.2% in tier
- + Asset Growth Rate: Top 1.8% in tier
- + Member Growth Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 4.8% in tier
- + Fee Income Per Member: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 28.6% in tier
- - Indirect Auto Dependency: Bottom 44.4% in tier
- - Efficiency Drag: Bottom 66.7% in tier
- - Credit Quality Pressure: Bottom 77.1% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 8.02% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Members Per Employee (MPE): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,379
+25.2% YoY-12.0% QoQ
|
-196 |
38,575
-4.8% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$629.0M
+40.5% YoY+0.2% QoQ
|
+$7.3M |
$621.7M
+0.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$435.6M
+44.0% YoY+2.3% QoQ
|
+$5.8M |
$429.8M
-1.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$545.7M
+42.9% YoY+0.6% QoQ
|
+$6.9M |
$538.7M
+0.6% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.3%
-23.1% YoY+26.3% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
4.0%
+13.9% YoY+0.9% QoQ
|
+0.6% |
3.4%
+8.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 13.9% in tier |
| Efficiency Ratio |
85.5%
+1.4% YoY+0.6% QoQ
|
+8.0% |
77.5%
-4.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.9%
+10.4% YoY+33.2% QoQ
|
+0.1 |
0.8%
-1.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
79.8%
+0.8% YoY+1.7% QoQ
|
-0.0% |
79.8%
-2.3% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$25,567
+14.6% YoY+15.1% QoQ
|
$-1K |
$26,849
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
18.9%
+8.1% YoY-1.7% QoQ
|
-5.5% | 24.4% | 18.6% | 19.8% | 30% |
| Indirect Auto % |
22.3%
+7.9% YoY+3.7% QoQ
|
+8.5% | 13.8% | 11.8% | 7.8% | 74% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
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)