BlastPoint's Credit Union Scorecard

UNITED BAY COMMUNITY

Charter #61186 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

UNITED BAY COMMUNITY has 1 strength but faces 7 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 0.30% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.35% below tier average
- Efficiency ratio 9.46% above tier (higher cost structure)
- Net Worth Ratio: Bottom 1.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	18,848 +2.5% YoY+0.1% QoQ	+3.4K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	72%
Assets	$297.0M +4.5% YoY+0.3% QoQ	+$65.2M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	73%
Loans	$243.7M +5.9% YoY-0.4% QoQ	+$96.3M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	85%
Deposits	$273.6M +4.6% YoY+0.3% QoQ	+$72.8M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	76%

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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% +497.5% YoY+49.1% QoQ	-0.3%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	25%
NIM	3.9% +7.2% YoY+2.8% QoQ	+0.3%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	86.5% -6.4% YoY-0.9% QoQ	+9.5%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	0.8% +27.8% YoY+45.6% QoQ	-0.1	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	53%
Loan To Share	89.1% +1.2% YoY-0.6% QoQ	+16.8%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	83%
AMR	$27,443 +2.6% YoY-0.1% QoQ	+$3K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	74%
CD Concentration	21.2% -1.1% YoY-9.0% QoQ	-3.2%	24.4%	18.6%	19.8%	50%
Indirect Auto %	29.2% +5.2% YoY-0.3% QoQ	+15.4%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#298 of 538 • 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: 86.48%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.35% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 2.48%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Risk Growth

risk

#253 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.86%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#408 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#317 of 506 • 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): 4.53%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 29.22%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.48%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (5 metrics)

165

Total Loans

balance_sheet

Value: $243.66M

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

178

Loan-to-Share Ratio

balance_sheet

Value: 89.06%

Peer Median: -

#178 of 1069 Top 16.6% in 100M-500M tier

198

Loan-to-Member Ratio (LMR)

engagement

Value: $12,928

Peer Median: -

#198 of 1069 Top 18.4% in 100M-500M tier

245

Member Growth Rate

growth

Value: 2.48%

Peer Median: -

#245 of 1069 Top 22.8% in 100M-500M tier

256

Total Deposits

balance_sheet

Value: $273.58M

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1056

Net Worth Ratio

risk

Value: 7.39%

Peer Median: -

#1056 of 1069 Bottom 1.3% in 100M-500M tier

893

Indirect Auto Concentration (%)

balance_sheet

Value: 29.22%

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier

882

Members Per Employee (MPE)

engagement

Value: 244.779

Peer Median: -

#882 of 1069 Bottom 17.6% in 100M-500M tier

878

Efficiency Ratio

profitability

Value: 86.48%

Peer Median: -

#878 of 1069 Bottom 18.0% in 100M-500M tier