BlastPoint's Credit Union Scorecard
ADVENTURE
Charter #60936 · MI
ADVENTURE has 7 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 17.7% in tier
- + Net Interest Margin 0.55% above tier average
- + Strong member growth: 41.6% YoY
- + Asset Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + Member Growth Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.5% in tier
- - Efficiency Drag: Bottom 22.3% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 6.97% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,596
+41.6% YoY-0.8% QoQ
|
+3.8K |
39,752
-2.7% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$627.6M
+43.9% YoY-2.2% QoQ
|
+$5.3M |
$622.4M
+0.3% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$425.8M
+44.0% YoY+1.7% QoQ
|
$-10.2M |
$435.9M
-0.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$542.5M
+46.1% YoY-2.8% QoQ
|
+$4.5M |
$538.0M
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.3%
-31.8% YoY-226.5% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
4.0%
+13.2% YoY+10.2% QoQ
|
+0.5% |
3.4%
+8.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 11.8% in tier |
| Efficiency Ratio |
85.1%
-0.7% YoY-4.2% QoQ
|
+7.0% |
78.1%
-3.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.7%
-3.7% YoY+7.5% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
51% |
| Loan To Share |
78.5%
-1.4% YoY+4.6% QoQ
|
-2.5% |
81.0%
-1.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$22,209
+2.5% YoY-0.1% QoQ
|
$-4K |
$26,482
+2.6% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
19.2%
+11.3% YoY+0.9% QoQ
|
-5.2% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
32% |
| Indirect Auto % |
21.5%
+0.3% YoY-1.8% QoQ
|
+7.5% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
73% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
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)