BlastPoint's Credit Union Scorecard

PEOPLE DRIVEN

Charter #61068 · MI

1077 CUs in 100M-500M nationally 67 in MI

PEOPLE DRIVEN has 9 strengths but faces 3 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

+ Relationship Depth Leader: Top 7.0% in tier
+ Wallet Share Momentum: Top 13.1% in tier
+ ROA 0.18% above tier average
+ Net Interest Margin 0.81% above tier average
+ Total Loans: Top 1.0% in tier
+ Total Assets: Top 1.1% in tier
+ Total Deposits: Top 1.8% in tier
+ Loan Growth Rate: Top 2.7% in tier
+ AMR Growth Rate: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 11.8% in tier
- Membership Headwinds: Bottom 27.4% in tier
- Members Per Employee (MPE): Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	25,545 -1.1% YoY-0.0% QoQ	+9.9K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	Top 12.4% in tier
Assets	$489.3M +4.6% YoY-0.7% QoQ	+$258.0M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	Top 1.2% in tier
Loans	$365.5M +22.7% YoY+2.3% QoQ	+$217.7M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	Top 1.1% in tier
Deposits	$416.3M +4.2% YoY-1.3% QoQ	+$216.1M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	Top 1.9% 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	1.0% +9.6% YoY+7.0% QoQ	+0.2%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	63%
NIM	4.4% +9.5% YoY+1.9% QoQ	+0.8%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Top 11.9% in tier
Efficiency Ratio	73.6% +0.9% YoY+1.8% QoQ	-3.7%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	36%
Delinquency Rate	0.7% -29.3% YoY-13.2% QoQ	-0.2	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	50%
Loan To Share	87.8% +17.8% YoY+3.7% QoQ	+15.1%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	80%
AMR	$30,607 +13.3% YoY+0.4% QoQ	+$6K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	85%
CD Concentration	14.3% +3.5% YoY+5.1% QoQ	-10.1%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.9% +6257.4% YoY+74.2% QoQ	-12.0%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#19 of 257 • Top 7.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 13.35%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.5K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#64 of 481 • Top 13.1% in tier

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

Why This Signature

AMR Growth (YoY): 13.35%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank improving

Concerns (2)

Stagnation Risk

risk

#195 of 550 • Bottom 11.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.14%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 22.66%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.68%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#452 of 550 • Bottom 27.4% in tier

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

Why This Signature

Member Growth (YoY): -1.14%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (13 metrics)

Total Loans

balance_sheet

Value: $365.50M

Peer Avg: -

#12 of 1077 Top 1.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $489.30M

Peer Avg: -

#13 of 1077 Top 1.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $416.35M

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

Loan Growth Rate

growth

Value: 22.66%

Peer Avg: -

#30 of 1077 Top 2.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.35%

Peer Avg: -

#50 of 1077 Top 4.5% in 100M-500M tier

110

Fee Income Per Member

profitability

Value: $266.55

Peer Avg: -

#110 of 1077 Top 10.1% in 100M-500M tier

128

Net Interest Margin (NIM)

profitability

Value: 4.39%

Peer Avg: -

#128 of 1077 Top 11.8% in 100M-500M tier

132

Loan-to-Member Ratio (LMR)

engagement

Value: $14,308

Peer Avg: -

#132 of 1077 Top 12.2% in 100M-500M tier

134

Total Members

engagement

Value: 25,545

Peer Avg: -

#134 of 1077 Top 12.3% in 100M-500M tier

165

Average Member Relationship (AMR)

engagement

Value: $30,607

Peer Avg: -

#165 of 1077 Top 15.2% in 100M-500M tier

Top Weaknesses (2 metrics)

987

Members Per Employee (MPE)

engagement

Value: 220.216

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

970

Net Charge-Off Rate

risk

Value: 0.96%

Peer Avg: -

#970 of 1077 Bottom 10.0% in 100M-500M tier