BlastPoint's Credit Union Scorecard
SECURITY
Charter #61159 · MI
SECURITY has 2 strengths but faces 4 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
- + Net Interest Margin 1.16% above tier average
- + Total Members: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 34.0% in tier
- - Indirect Auto Dependency: Bottom 60.0% in tier
- - ROA 0.55% below tier average
- - Efficiency ratio 5.39% above tier (higher cost structure)
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 +3.1% year over year ($583M in shares and deposits).
- Membership: 53,797 members, +1.1% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 0.27%.
- Efficiency ratio 81.95% vs a 76.56% peer average.
- Loan-to-share ratio 88.05% 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 |
53,797
+1.1% YoY-0.0% QoQ
|
+15.9K |
37,897
-5.0% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 6.1% in tier |
| Assets |
$653.2M
+3.1% YoY+0.2% QoQ
|
+$30.8M |
$622.4M
+0.6% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$513.2M
+2.3% YoY+3.4% QoQ
|
+$84.7M |
$428.5M
-0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$582.8M
+3.1% YoY+0.1% QoQ
|
+$43.1M |
$539.8M
+0.9% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
0.3%
+67.4% YoY-3.2% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.3% in tier |
| NIM |
4.7%
+2.5% YoY+1.4% QoQ
|
+1.2% |
3.5%
+5.0% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
82.0%
-0.9% YoY+0.4% QoQ
|
+5.4% |
76.6%
-3.6% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.8%
-59.7% YoY-7.5% QoQ
|
+0.0 |
0.8%
+3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
88.0%
-0.8% YoY+3.3% QoQ
|
+8.7% |
79.3%
-1.4% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$20,372
+1.6% YoY+1.6% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
17.8%
-2.9% YoY-0.9% QoQ
|
-6.8% | 24.6% | 18.8% | 20.0% | 26% |
| Indirect Auto % |
37.9%
+2.5% YoY-2.1% QoQ
|
+24.2% | 13.6% | 11.7% | 7.7% | Bottom 9.4% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)