BlastPoint's Credit Union Scorecard

UNITED BAY COMMUNITY

Charter #61186 · MI

100M-500M

1070 CUs in 100M-500M nationally 69 in MI

UNITED BAY COMMUNITY has 1 strength but faces 5 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

+ Net Interest Margin 0.44% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Efficiency ratio 7.94% above tier (higher cost structure)
- Net Worth Ratio: Bottom 1.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	18,870 +2.0% YoY+0.1% QoQ	+3.7K	15,145 -2.5% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	73%
Assets	$304.4M +2.8% YoY+2.5% QoQ	+$72.7M	$231.7M +0.8% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	74%
Loans	$242.9M +3.9% YoY-0.3% QoQ	+$98.7M	$144.1M +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Top 14.3% in tier
Deposits	$280.2M +2.5% YoY+2.4% QoQ	+$79.1M	$201.1M +0.4% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	77%

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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	0.4% +2.2% QoQ	-0.3%	0.7% +5.1% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	31%
NIM	4.1% +9.7% YoY+4.2% QoQ	+0.4%	3.6% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	77%
Efficiency Ratio	86.0% -6.8% YoY-0.6% QoQ	+7.9%	78.0% -1.7% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	75%
Delinquency Rate	0.5% -12.3% YoY-31.8% QoQ	-0.3	0.8% +7.1% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	43%
Loan To Share	86.7% +1.4% YoY-2.7% QoQ	+16.3%	70.4% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	82%
AMR	$27,722 +1.1% YoY+1.0% QoQ	+$3K	$24,918 +2.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	74%
CD Concentration	20.4% -10.4% YoY-4.0% QoQ	-3.9%	24.3%	18.6%	19.8%	50%
Indirect Auto %	29.1% +3.9% YoY-0.5% QoQ	+15.3%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Efficiency Drag

risk

#372 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.96%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.40% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 2.03%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#342 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.83%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 29.07%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.03%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (5 metrics)

153

Total Loans

balance_sheet

Value: $242.89M

Peer Median: $121.41M

#153 of 1070 Top 14.2% in 100M-500M tier

190

Loan-to-Share Ratio

balance_sheet

Value: 86.68%

Peer Median: 71.88%

#190 of 1070 Top 17.7% in 100M-500M tier

200

Loan-to-Member Ratio (LMR)

engagement

Value: $12,872

Peer Median: $9,356

#200 of 1070 Top 18.6% in 100M-500M tier

244

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Median: 3.62%

#244 of 1070 Top 22.7% in 100M-500M tier

249

Total Deposits

balance_sheet

Value: $280.22M

Peer Median: $171.29M

#249 of 1070 Top 23.2% in 100M-500M tier

Top Weaknesses (3 metrics)

1058

Net Worth Ratio

risk

Value: 7.43%

Peer Median: 11.45%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

899

Indirect Auto Concentration (%)

balance_sheet

Value: 29.07%

Peer Median: 6.61%

#899 of 1070 Bottom 16.1% in 100M-500M tier

887

Members Per Employee (MPE)

engagement

Value: 245.065

Peer Median: 309.176

#887 of 1070 Bottom 17.2% in 100M-500M tier