BlastPoint's Credit Union Scorecard
SECURITY
Charter #61159 · MI
SECURITY has 3 strengths but faces 9 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 31.7% in tier
- + Net Interest Margin 1.20% above tier average
- + First Mortgage Concentration (%): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.8% in tier
- - Credit Risk Growth: Bottom 10.7% in tier
- - Indirect Auto Dependency: Bottom 24.0% in tier
- - Efficiency Drag: Bottom 24.0% in tier
- - Liquidity Strain: Bottom 30.8% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 3.23% above tier (higher cost structure)
- - Delinquency rate 1.15% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,663
+2.0% YoY+0.9% QoQ
|
+13.9K |
39,752
-2.7% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 10.7% in tier |
| Assets |
$628.5M
-1.8% YoY-0.8% QoQ
|
+$6.2M |
$622.4M
+0.3% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$509.4M
+2.9% YoY+1.5% QoQ
|
+$73.4M |
$435.9M
-0.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$559.5M
+3.5% YoY-1.0% QoQ
|
+$21.5M |
$538.0M
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
0.2%
-58.1% YoY+11.1% QoQ
|
-0.5% |
0.7%
+33.9% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.0% in tier |
| NIM |
4.6%
+11.3% YoY+1.1% QoQ
|
+1.2% |
3.4%
+8.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
81.3%
-2.7% YoY-1.6% QoQ
|
+3.2% |
78.1%
-3.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
2.0%
+68.2% YoY-1.4% QoQ
|
+1.2 |
0.8%
-4.9% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 4.1% in tier |
| Loan To Share |
91.0%
-0.6% YoY+2.6% QoQ
|
+10.0% |
81.0%
-1.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$19,918
+1.2% YoY-0.7% QoQ
|
$-7K |
$26,482
+2.6% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
19.2%
+13.7% YoY+4.6% QoQ
|
-5.2% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
31% |
| Indirect Auto % |
37.8%
+9.2% YoY+2.5% QoQ
|
+23.9% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
Top 10.4% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)