BlastPoint's Credit Union Scorecard
SECURITY
Charter #61159 · MI
SECURITY has 4 strengths but faces 6 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
- + Organic Growth Engine: Top 99.5% in tier
- + Net Interest Margin 1.22% above tier average
- + Total Members: Top 6.1% in tier
- + First Mortgage Concentration (%): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 66.1% in tier
- - Efficiency Drag: Bottom 89.4% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 2.89% above tier (higher cost structure)
- - Delinquency rate 0.34% above tier average
- - Net Charge-Off Rate: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,733
+1.4% YoY+0.1% QoQ
|
+15.2K |
38,575
-4.8% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Top 6.7% in tier |
| Assets |
$638.0M
-0.0% YoY+1.5% QoQ
|
+$16.2M |
$621.7M
+0.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$505.5M
+0.2% YoY-0.8% QoQ
|
+$75.7M |
$429.8M
-1.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$570.0M
+4.0% YoY+1.9% QoQ
|
+$31.3M |
$538.7M
+0.6% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.1%
-85.0% YoY-56.3% QoQ
|
-0.6% |
0.7%
+42.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.5% in tier |
| NIM |
4.7%
+11.1% YoY+0.7% QoQ
|
+1.2% |
3.4%
+8.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
80.4%
-2.0% YoY-1.1% QoQ
|
+2.9% |
77.5%
-4.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.2%
-8.5% YoY-39.4% QoQ
|
+0.3 |
0.8%
-1.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
88.7%
-3.6% YoY-2.6% QoQ
|
+8.8% |
79.8%
-2.3% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$20,015
+0.7% YoY+0.5% QoQ
|
$-7K |
$26,849
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
18.5%
+7.9% YoY-3.5% QoQ
|
-5.9% | 24.4% | 18.6% | 19.8% | 29% |
| Indirect Auto % |
38.7%
+7.1% YoY+2.2% QoQ
|
+24.9% | 13.8% | 11.8% | 7.8% | Top 9.4% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)