BlastPoint's Credit Union Scorecard
PEOPLE DRIVEN
Charter #61068 · MI
PEOPLE DRIVEN has 4 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 19.4% in tier
- + Wallet Share Momentum: Top 19.4% in tier
- + Net Interest Margin 0.91% above tier average
- + Share Certificate Concentration (%): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 13.4% in tier
- - Membership Headwinds: Bottom 63.8% in tier
- - Stagnation Risk: Bottom 63.8% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 1.79% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 1.2% in tier
- - Total Members: Bottom 9.1% in tier
- - Total Deposits: Bottom 9.7% in tier
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 +5.2% year over year ($444M in shares and deposits).
- Membership: 25,314 members, -0.9% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.72%.
- Efficiency ratio 78.35% vs a 76.56% peer average.
- Loan-to-share ratio 86.75% 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 |
25,314
-0.9% YoY+0.4% QoQ
|
-12.6K |
37,897
-5.0% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 8.5% in tier |
| Assets |
$520.0M
+5.5% YoY+1.0% QoQ
|
$-102.4M |
$622.4M
+0.6% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.3% in tier |
| Loans |
$385.1M
+7.8% YoY+0.8% QoQ
|
$-43.4M |
$428.5M
-0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$443.9M
+5.2% YoY+0.9% QoQ
|
$-95.8M |
$539.8M
+0.9% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.1% in tier |
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| ROA |
0.7%
-20.3% YoY+59.1% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.4%
+3.2% YoY+3.0% QoQ
|
+0.9% |
3.5%
+5.0% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 7.3% in tier |
| Efficiency Ratio |
78.4%
+8.4% YoY-1.0% QoQ
|
+1.8% |
76.6%
-3.6% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
0.6%
-26.6% YoY-0.6% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
86.8%
+2.5% YoY-0.1% QoQ
|
+7.4% |
79.3%
-1.4% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$32,750
+7.4% YoY+0.5% QoQ
|
+$5K |
$27,294
+4.1% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
15.9%
+16.6% YoY+2.3% QoQ
|
-8.6% | 24.6% | 18.8% | 20.0% | 21% |
| Indirect Auto % |
3.1%
+178.3% YoY+29.0% QoQ
|
-10.5% | 13.6% | 11.7% | 7.7% | 42% |
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 (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)