BlastPoint's Credit Union Scorecard

PEOPLE DRIVEN

Charter #61068 · MI

1069 CUs in 100M-500M nationally 68 in MI

PEOPLE DRIVEN has 10 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 9.0% in tier
+ Wallet Share Momentum: Top 18.5% in tier
+ ROA 0.21% above tier average
+ Net Interest Margin 0.83% above tier average
+ Total Assets: Top 0.0% in tier
+ Total Loans: Top 1.1% in tier
+ Total Deposits: Top 1.3% in tier
+ Loan Growth Rate: Top 4.7% in tier
+ AMR Growth Rate: Top 6.9% in tier
+ Fee Income Per Member: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 81.4% in tier
- Stagnation Risk: Bottom 96.8% in tier
- Members Per Employee (MPE): Bottom 5.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	25,362 -1.2% YoY-0.7% QoQ	+9.9K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	Top 12.3% in tier
Assets	$497.4M +5.7% YoY+1.7% QoQ	+$265.5M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	Top 0.1% in tier
Loans	$367.8M +17.8% YoY+0.6% QoQ	+$220.5M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	Top 1.2% in tier
Deposits	$423.0M +4.6% YoY+1.6% QoQ	+$222.2M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	Top 1.4% 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% +27.8% YoY+0.8% QoQ	+0.2%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	66%
NIM	4.4% +9.1% YoY+1.0% QoQ	+0.8%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	Top 10.9% in tier
Efficiency Ratio	74.3% +1.2% YoY+1.0% QoQ	-2.7%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	38%
Delinquency Rate	0.6% -54.6% YoY-17.5% QoQ	-0.3	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	38%
Loan To Share	86.9% +12.6% YoY-1.0% QoQ	+14.7%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	79%
AMR	$31,182 +11.8% YoY+1.9% QoQ	+$7K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	85%
CD Concentration	15.1% +8.9% YoY+5.1% QoQ	-9.4%	24.4%	18.6%	19.8%	50%
Indirect Auto %	2.3% +2789.3% YoY+20.2% QoQ	-11.5%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#25 of 268 • Top 9.0% 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): 11.76%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.6K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#96 of 513 • Top 18.5% in tier

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

Why This Signature

AMR Growth (YoY): 11.76%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (2)

Membership Headwinds

decline

#451 of 554 • Bottom 81.4% in tier

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

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#536 of 554 • Bottom 96.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 17.83%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.56%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (12 metrics)

Total Assets

balance_sheet

Value: $497.40M

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Loans

balance_sheet

Value: $367.81M

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $423.04M

Peer Median: -

#15 of 1069 Top 1.3% in 100M-500M tier

Loan Growth Rate

growth

Value: 17.83%

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.76%

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

Fee Income Per Member

profitability

Value: $274.64

Peer Median: -

#91 of 1069 Top 8.4% in 100M-500M tier

116

Net Interest Margin (NIM)

profitability

Value: 4.43%

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

131

Loan-to-Member Ratio (LMR)

engagement

Value: $14,502

Peer Median: -

#131 of 1069 Top 12.2% in 100M-500M tier

132

Total Members

engagement

Value: 25,362

Peer Median: -

#132 of 1069 Top 12.3% in 100M-500M tier

164

Average Member Relationship (AMR)

engagement

Value: $31,182

Peer Median: -

#164 of 1069 Top 15.2% in 100M-500M tier

Top Weaknesses (2 metrics)

1007

Members Per Employee (MPE)

engagement

Value: 206.195

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

904

Net Charge-Off Rate

risk

Value: 0.80%

Peer Median: -

#904 of 1069 Bottom 15.5% in 100M-500M tier