BlastPoint's Credit Union Scorecard
PEOPLE DRIVEN
Charter #61068 · MI
PEOPLE DRIVEN has 6 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
- + Relationship Depth Leader: Top 8.2% in tier
- + Wallet Share Momentum: Top 8.2% in tier
- + Net Interest Margin 0.85% above tier average
- + AMR Growth Rate: Top 6.0% in tier
- + Share Certificate Concentration (%): Top 6.6% in tier
- + Loan Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 66.8% in tier
- - Stagnation Risk: Bottom 66.8% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 0.78% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 7.8% in tier
- - Total Assets: Bottom 8.4% in tier
- - Total Deposits: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,220
-1.4% YoY-0.6% QoQ
|
-12.9K |
38,079
-4.8% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Bottom 8.4% in tier |
| Assets |
$514.8M
+5.3% YoY+3.5% QoQ
|
$-104.9M |
$619.7M
-0.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.8% in tier |
| Loans |
$382.0M
+13.8% YoY+3.9% QoQ
|
$-37.3M |
$419.3M
-1.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$439.9M
+4.8% YoY+4.0% QoQ
|
$-99.6M |
$539.5M
-0.1% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.4% in tier |
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| ROA |
0.5%
-54.1% YoY-53.5% QoQ
|
-0.2% |
0.7%
+36.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
4.3%
+2.5% YoY-2.7% QoQ
|
+0.8% |
3.5%
+4.5% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
79.2%
+10.9% YoY+6.5% QoQ
|
+0.8% |
78.4%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
0.6%
-32.5% YoY+3.0% QoQ
|
-0.1 |
0.7%
-0.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
86.8%
+8.6% YoY-0.1% QoQ
|
+9.2% |
77.7%
-1.2% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$32,589
+10.3% YoY+4.5% QoQ
|
+$6K |
$26,927
+3.1% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
15.6%
+15.0% YoY+3.2% QoQ
|
-8.7% | 24.3% | 18.6% | 19.8% | 20% |
| Indirect Auto % |
2.4%
+464.8% YoY+3.1% QoQ
|
-11.4% | 13.8% | 11.7% | 7.7% | 40% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)