BlastPoint's Credit Union Scorecard
SECURITY
Charter #61159 · MI
SECURITY has 3 strengths but faces 6 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.17% above tier average
- + Total Members: Top 5.4% in tier
- + First Mortgage Concentration (%): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 38.6% in tier
- - Indirect Auto Dependency: Bottom 50.3% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 3.25% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
- - Net Charge-Off Rate: Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,803
+1.1% YoY+0.1% QoQ
|
+15.7K |
38,079
-4.8% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Top 6.0% in tier |
| Assets |
$651.8M
+4.0% YoY+2.2% QoQ
|
+$32.1M |
$619.7M
-0.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$496.3M
-0.8% YoY-1.8% QoQ
|
+$76.9M |
$419.3M
-1.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$582.4M
+4.0% YoY+2.2% QoQ
|
+$42.9M |
$539.5M
-0.1% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
0.3%
+27.3% YoY+255.7% QoQ
|
-0.4% |
0.7%
+36.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
4.6%
+3.7% YoY-0.7% QoQ
|
+1.2% |
3.5%
+4.5% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
81.6%
-4.9% YoY+1.5% QoQ
|
+3.3% |
78.4%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
0.9%
-48.0% YoY-27.1% QoQ
|
+0.2 |
0.7%
-0.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
85.2%
-4.6% YoY-3.9% QoQ
|
+7.5% |
77.7%
-1.2% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$20,048
+0.6% YoY+0.2% QoQ
|
$-7K |
$26,927
+3.1% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
18.0%
+3.5% YoY-3.0% QoQ
|
-6.3% | 24.3% | 18.6% | 19.8% | 27% |
| Indirect Auto % |
38.7%
+4.4% YoY+0.0% QoQ
|
+24.9% | 13.8% | 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)